I am in utter shock about the way I have been treated by Farm Bureau Insurance Company after I filed a claim with them regarding damages to my home. On August 8, 2010, a 25 ft. tree limb (which was green and had blooming leaves on it) fell on top of my carport (which was attached to the home) causing much structural damage to the carport and the vehicle parked underneath. PLEASE NOTE THAT THE WEATHER WAS BEAUTIFUL OUTSIDE, NO WIND, NO BAD WEATHER OR STORMS.

I spoke with the local adjuster, Chris Fontenot, on the phone and Mr. Fontenot proceeded to tell me that the damages would have to fall under the "wind, storm damages" portion of the policy. I told him that the weather had been beautiful all day...blue skies, no rain or wind. Mr. Fontenot stated that my deductible would be $4, 700.00 instead of the usual $2, 000.00, and that this incident DID fall under the wind storm portion of the policy. He also insinuated that if I did not agree with his judgment, then he would file it under the "falling objects" portion of the policy. Conveniently, NO POLICY OF FARM BUREAU'S COVERS "FALLING OBJECTS".

The adjuster did not even bother to write down all of the damages to my home, 4-wheeler and automobile on the estimate of damages. Not only are they not going to pay for helping me get my home back in one piece - they have also stated that the vehicle that was underneath the carport structure is not their problem to repair. WHAT IF THAT PERSON DID NOT HAVE FULL COVERAGE ON THEIR VEHICLE???? THEN IT WOULD HAVE BEEN UP TO ME TO COME UP WITH THE MONEY TO FIX THEIR CAR SINCE IT WAS ON MY PROPERTY...

I have paid premiums to this insurance company for years. I have my home, vehicle and life insurance with Farm Bureau. I am appalled that I have paid in so much money to them and have had nothing but condescending idiots to deal with. From Supervisors to Adjusters, I have had nothing but pure hell with these people. I am getting all the information together that I can to bring to a local attorney in hopes of putting a stop or at least a slow down to this illegal mess.

I am definitely changing insurance companies and will make certain that I warn others of this fiasco.

WHY WOULD I HAVE EVEN PURCHASED INSURANCE IF THEY ARE NOT GOING TO COVER ANY MISHAPS. Isn't that what insurance is for?????...ACCIDENTS...

Beware insurance policy purchasers.