My wife has State Farm Home Owners Insurance and we have not had to make a claim until recently. I have used USAA all my life and I guess I am spoiled... I was actually very disturbed when I found out that any claim for Home Owners policy is submitted after the repair work is completed and paid for by the home owner... Then the home owner submits the receipts and before / after pictures to State Farm for them to decide what they will cover.

Umm, I am very confused - why have insurance? This seems very backwards to me. And their customer service was horribly unhelpful and read choppily from a script and also stated they don't guarantee or trust the work of their contractors.

It is safe to say the State Farm just lost a customer. I guess that is the difference between for-profit and not-for-profit companies.

USAA is amazing - they actually care about their customers. State Farm = The WORST...… read more

Reviewed by: @j_grendahl