"State Farm's nationwide scheme made simple: State Farm does not define what is and isn't considered damage in its policies, raises premiums as much as possible, and if a state's insurance commissioner objects, threatens to leave the state, said lead attorney Jeff Marr. It then manipulates its internal and secret definition of damage a higher threshold means fewer indemnity payments to policyholders"
"State Farm sought reconsideration of the discovery order arguing the requests were irrelevant and unduly burdensome, multiple local outlets reported. The Fosters filed a homeowners' insurance claim with State Farm after a hailstorm damaged their property in 2021. According to court filings, State Farm assigned an in-house adjuster who confirmed the home sustained covered damage from the storm but found no damage to roof shingles or the interior of the home, local outlet The Journal Record reported."
Don and Brenda Foster filed suit after a 2021 hailstorm, alleging State Farm improperly handled their homeowners' claim and made a low settlement offer. Plaintiffs allege State Farm omits clear damage definitions in policies, raises premiums, and uses an internal secret damage standard to reduce indemnity payments. The complaint alleges a covert "Claim Quality Enhancement Plan" and retraining with HAAG Engineering to calibrate adjusters. An in-house adjuster reportedly confirmed covered damage but found no shingle or interior damage. State Farm sought reconsideration of discovery, calling requests irrelevant and unduly burdensome. The suit alleges breach of contract and improper claims handling.
Read at www.housingwire.com
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