Farmers Insurance Review

I am switching from Farmers for one reason only and to me it is more than enough reason to do so. I will first say that our agent is outstanding and he did all he could do to rectify the situation (we're told). Basically, our underfloor radiant heating system in our ski condo blew a valve and flooded our downstairs with water and gelco. Fortunately, the room had a drain and most of the liquid went down the drain. But...the gelco sprayed all over the room and heating elements, heated up and stunk the high heaven. My renters showed up to this and we had to find them a replacement rental at the last minute which was very expensive not to mention we lost our rent. I spent 4 days cleaning up the mess, hiring a repair man, and did all I could do to not be waste-full. So... Farmers argues that this valve is like a "refridgerator" and working parts just fail. We "should have had it serviced" prior to this happening. Well, we did have it serviced that summer and had the plumbing company verify this. End result is that his claim was under $4,500.00 (our deductable is $500.00) and they wouldn't give us a dime (somehow this is the magic number?). This claim didn't include lost rental and our cost to find another place. Because I helped and didn't hire some very expensive plumbing and clean up company to do the work we were out of luck. Years or paying Farmers and they won't reimburse us for this cost. It gets more complicated but you get the picture.

I'm going to look for another insurance company that doesn't try to weasel their way out of a simple claim. I hear that Allstate is good.