Oklahoma Farm Bureau Insurance
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3 Star Rating
Not even sure where to start...I had Oklahoma Farm Bureau insurance since 1988 until about 2008 when they dropped me due to a claim my husband at the time had filed. I switched to Farmers Insurance after that, until I later remarried in 2013 and my current husband already had coverage with Oklahoma Farm Bureau, so my car was added to his policy. I have been on his insurance since then, and now this year (2024), my mother passed away in July, and I inherited her house, so we added her house to our policy—a big mistake! I had an inkling it was going to be problematic when the agent commented, "Let's hope we do not have any claims; otherwise, you will have to go through probate to cash the check." And guess what happened? You guessed it—they sent out an inspector to review the home, only to inform us that there is roof damage, and it needs to be replaced; otherwise, they will exclude the roof from the policy.
I feel like this was a setup—I mean, my mother had insurance on the home with no issues, and now that I inherit it, suddenly it requires a roof replacement. I even had a few people examine it and they all said it doesn't need to be replaced. When my mother passed away, we already had everything deeded, so we didn't have to go through probate. Now they file a claim on her house for the roof and they send me a check in her name for $5,200 to help with the roof replacement. They told me if I sign the check a certain way, their bank will cash it. Knowing better, I was unsurprised when their bank said I would have to go through probate. So, I am expected to probate a $5,200 check that will cost me a $2,500 retainer fee to start the probate process, and then I will have to pay off her $2,500 debt during probate. By the time it is done, I would have gone through the probate for nothing. I definitely do not recommend this insurance company unless you want a hassle, because that is all it has been—a big hassle. They work for themselves and their commissions, not for you.
I feel like this was a setup—I mean, my mother had insurance on the home with no issues, and now that I inherit it, suddenly it requires a roof replacement. I even had a few people examine it and they all said it doesn't need to be replaced. When my mother passed away, we already had everything deeded, so we didn't have to go through probate. Now they file a claim on her house for the roof and they send me a check in her name for $5,200 to help with the roof replacement. They told me if I sign the check a certain way, their bank will cash it. Knowing better, I was unsurprised when their bank said I would have to go through probate. So, I am expected to probate a $5,200 check that will cost me a $2,500 retainer fee to start the probate process, and then I will have to pay off her $2,500 debt during probate. By the time it is done, I would have gone through the probate for nothing. I definitely do not recommend this insurance company unless you want a hassle, because that is all it has been—a big hassle. They work for themselves and their commissions, not for you.
Product: Oklahoma Farm Bureau Insurance Home Insurance
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