Three Richardson homeowners say their State Farm insurance claims were stalled by frequent changes in assigned adjusters, a pattern that aligns with accusations currently being litigated by the Oklahoma Attorney General.
Cassaundra Spears, who inherited her mother’s policy, said a dishwasher leak caused significant water damage and mold. She stated that State Farm agreed to cover some repairs but offered an amount she considers insufficient. Spears also reported that the insurer reassigned her claim multiple times, forcing her to restart the process each time a new adjuster was appointed.
Kenny Cox said his home suffered fire damage, and his claim was handled by six different adjusters. He noted that each new representative requested different documentation, which contributed to a delay that kept him and his wife displaced for over a year. Cox placed a sign in his yard describing the experience as lies, denials, and delays.
Craig Ellis said hail damaged his roof, leading to interactions with seven adjusters. While State Farm covered most of the replacement, Ellis said the company refused to pay for new roof sheathing required by city code and necessary to maintain the manufacturer’s warranty. He paid $5,796.30 out of pocket after weeks of communication with the insurer.
All three residents said their local State Farm agents could not resolve the issues because adjusters, not agents, make claim decisions.
These complaints mirror allegations in a lawsuit filed by Oklahoma Attorney General Gentner Drummond. Drummond’s office began investigating State Farm in December following consumer complaints and filed suit in June, alleging unfair claims practices. Drummond stated that the company may be representing full coverage to customers while denying claims internally.