This Cloverdale, CA Farmers Insurance case started on 05/19/2007:

We have been displaced into temporary housing since then. We have 3 open claims with Farmers. First a 2, 000 lb tree branch fell through our roof, missing our 9-month old by 3 feet or less on May 19, 2007. Then, on September 27, 2007 the tree lost another 2, 000 lb branch through the roof again. Then with the delayed response (again) to the processing of our claim, the rains started up water and wind took the house and those repairs already completed (80% +) to a new level of damage.

In the midst of all of this we could not afford to have the trees removed, especially this particular one. The local paper put us on the front cover, asking for donations, etc. We put the house up for sale, knowing we might have to go into a Payment Plan to keep the house due to the reasons listed below.

We put the house up for sale even though wed bought it (our dream house) now shattered (the house and the dream), and we got a buyer within a week! No one could sell their house in Cloverdale! We were so lucky. They hung on through 6 months of repairs!

Now on to the story.

We have 4 kids, including an infant. Our third claim wasn't filed in time to get the repairs done on our home - our assigned claims adjuster "forgot" to file the claim for 5 months. This delay caused the repairs to be stalled, due to stalled payment to the contractor, and we lost our buyer for our home. Now we face foreclosure on our house because of this delay, mismanagement and poor reconciliation of our insurance policy ALE payments and claims processing. All 3 of our claims have had horrible mismanagement problems, including evading telephone calls by the claims adjusters supervisors, claims adjusters grave mistakes on claims payments, and I was yelled at today by a very high-ranking supervisor because "his mother had surgery last week and is very sick". This was after he avoided calling me for nearly 2 weeks. We have had to wait over 4 months for thousands of dollars (over 7K) in reimbursements for food. I've had to contact my actual Farmer's insurance agent to obtain support and help to get results in the past numerous times. We are always calling CRS Temporary Housing at the last minute to obtain additional housing and calling our landlord to confirm approval. Our claims adjuster does not complete assignments within reasonable amounts of time, and has caused great losses in our regular everyday lives concurrent with the catastrophic losses of our personal losses involved in the 3 claims we have open. Due to the $7, 000+ delay in ALE reimbursements, we lost a major credit card because we were not able to make the payments. We had to pay our car payments to be able to travel to work, and buy food to feed ourselves and 4 children. In addition, it took 5 months to get the inventory pictures we requested over 10 times so we could go re-purchase our items lost a year ago. We have been told by Marilyn Pouncey claims adjuster, and Dorey Battle (her supervisor) that we were not as important as other claimants at times and that we would have to wait. Larry Butler (Doreys supervisor) was the one who yelled at me because his mother had surgery last week.

I guess with even three concurrent claims in one year that prevent you from living in your home that causes you to actually lose your home due to their own errors, its still not enough to Get you Back Where you Belong so their logo promotes. Where do you belong? In their claims processes forever???

Their HELPPOINT customer service number logo is Sanity Makes a Comeback. What does that mean exactly??

Sanity makes a comeback after you lose it with Farmers???

I purchased renters Insurance in the month of April for the new place I moved to. I was asked how much insurance did I need. I told the gal that I had a lot of things, I needed about $75,000 and she told me it would cost about $30 a month, so I say sign me up. She faxed the papers and I signed them. She never asked me about a rider for anything.

NOW May 21, 2007, my apt was broken into and they took all my cash ($2000), savings bonds ($600) and ALL of my jewelry (appx. $5000).

The adjuster tells me that I can only get $100 for the cash, $500 for the bonds and $500 for my jewelry! With a $500 deductible that gives me $600 for my loss. Oh, and what about the bed I am suppose to sleep in the did something to that and not sure if it is covered that it doesn't sleep me very good.

I feel that the agents office is at fault and I should be about to get more of my loss covered since I was not told about riders. Please help me, I have none of my grandparents jewelry, my HighSchool & college memories are gone with my rings and I have nothing from my past to pass on to my granddaughter. Please help, I want to try to get my things back!