Business Profile

Insurance Companies

Farmers Insurance

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Complaints

This profile includes complaints for Farmers Insurance's headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

1,827 total complaints in the last 3 years.
603 complaints closed in the last 12 months.

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The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

Initial Complaint
Date:05/05/2025
Type:Delivery Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Initial response from ***** **** was the same day and was quick to schedule an appointment however since April 23, I have not received any response regarding the status of claim. April 18 was the last email I received. My contractor had to wait two days after requesting for Mr. **** send settlement documentation even with my authorization and I received the information from the contractor. I still have not received anything from farmers or from ******** The day of the inspection, Mr. **** was very polite, but was in a hurry to complete the inspection as he had to go. The report states that the roof is 3-tab on the roof but it is actually a T lock roof, which is discontinued and unable to undergo partial repairs.
Business Response
Date: 05/12/2025
Dear Better Business Bureau,
Thank you for your correspondence regarding a matter brought forth by **** ******. In this inquiry, Ms. ****** expressed dissatisfaction with the denial of coverage for her homeowner claim. We take the customer experience seriously and appreciate the opportunity to respond.
Our records reflect that our investigation and coverage determination of Ms. ******* claim is appropriate. Ms. ****** did not file her current claim in a timely manner nor were repairs completed for prior covered damages. A claim was processed in 2018 approving a full roof replacement due to hail damage, but the work was not completed to replace the roof. It has also been clarified to Ms. ****** that 3-tab shingles are of like kind and quality to the t-lock shingles found on Ms. ******* roof.
We strive to answer or return calls promptly and we regret if our responsiveness did not meet expectations. Should Ms. ****** have any additional questions or concerns, we encourage her to contact our Claims Leadership team to discuss.
Sincerely,
Texas Farmers Insurance Company
*** *****-*******
Claim Customer Relations Senior Consultant
Initial Complaint
Date:05/04/2025
Type:Service or Repair Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Vehicle sold 3/15/22. Premium already paid. Requested vehicle removed from policy. ** informed me they need BOS. Sent BOS dated 3/17/22 to BW 4/5/22 to address provided by ***. **** policy renewal in August: vehicle still on policy. ** said BOS never recd. I faxed BOS on 8/30/22 requesting removal and reimbursement of premiums. Paid full premium again in Aug for fear of non-renewal of policy (3 other vehicles insured) I requested refunds for premiums paid again. March 2023 renewal still had vehicle insured. I spoke to BW *** on 2/22/23 and per instruction emailed ********** of buyers registration certificate to *********************************** again requesting ***************** I then paid full premium a third time so as not to be in violation of policy due 3/15/23; it crossed in mail with letter from BW dated 3/9/23, acknowledging vehicle removed from policy. A refund for only ONE term as opposed to THREE issued on 3/20/23. I then called BW and was notified for the first time that BOS needed to be notorized! That wasnt possible because paperwork was signed a year prior at time of sale. I called several times to explain why their request was not reasonable; finally was told if dealer could send BOS on their letterhead, that would solve issue. I was told to email BOS to *********************************** and was told ***eatedly that the requests were never received. Finally on 12/18/24 I reached a *** who determined docs were not being received because of encryption issue. He corrected and told me to resend email. My request was rejected because it is against BW policy to refund beyond one term. No one at ** could tell me where it says that in my policy. Another *** re-submitted request in Jan 2025 and another on 2/7/25all ***s and supervisors agreed I was entitled to TWO term refunds ********** 2022. Automated system kept rejecting requests. Last 4 hour call escalated to supervisor and was told he would be laughed at if he submitted request and to forget about the refund.
Business Response
Date: 05/08/2025
To Whom It May Concern:

Thank you for notifying Bristol West of the concerns presented to the Better Business Bureau. We appreciate the opportunity to respond to this inquiry.

To protect confidential consumer information, we do not disclose information about our review. We have been in contact with the consumer via e-mail to address their specific concerns in the complaint above.
Customer Answer
Date: 05/19/2025

Complaint: ********

I am rejecting this response because:
Dear LASV BBB,

I am sending this email to have the above referenced Case/Claim # reopened.

I inadvertently missed the deadline to respond to the BBB ny one day.
While I did receive a message from Farmers Insursnce / Bristol West Auto, however, only half the issue was addressed.

I have since emailed Farmers regarding the omitted portion of the original complaint and am still waiting to hear back from them.

If possible, please re-open Case/Claim # ********.

Thank you for your help thus far..it is very much appreciated.

Regards,
****** ******* Dvoryaninova

Sincerely,

****** ************
Customer Answer
Date: 05/20/2025
Farmers responded to the original complaint and sent reimbursement for only (1) policy term for which premium was paid after vehicle was sold..they still owe me for the 2nd policy term paid after vehicle was sold and removed from policy.
I am waiting to hear back from them and/or receive a reimbursement check.
Thank you!
****** ******* Dvoryaninova
**************
Business Response
Date: 05/22/2025
To Whom It May Concern:

Thank you for notifying Bristol West of the concerns presented to the Better Business Bureau. We appreciate the opportunity to respond to this inquiry.

To protect confidential consumer information, we do not disclose information about our review. We have been in contact with the consumer via e-mail to address their specific concerns in the complaint above.
Customer Answer
Date: 05/22/2025

Complaint: 23171594

I am rejecting this response because:
I have not received the second refund check that was promised in the most recent communication.
Farmers / Bristol West claims the check is in the mail. I am awaiting its arrival.

Sincerely,

****** ************
Business Response
Date: 05/27/2025
To Whom It May Concern:

Thank you for notifying Bristol West of the concerns presented to the Better Business Bureau. We appreciate the opportunity to respond to this inquiry.

To protect confidential consumer information, we do not disclose information about our review. We have been in contact with the consumer via e-mail to address their specific concerns in the complaint above.
Customer Answer
Date: 05/29/2025

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

****** ************
Initial Complaint
Date:05/02/2025
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am filing a complaint against Farmers Insurance regarding my homeowners claim (#**********-1) for wind damage to my property, with a loss date of August 6, 2024.I have been a paying policyholder and have consistently paid my premiums in good faith, with the understanding that I would be indemnified in the event of a covered loss. After a windstorm, Farmers acknowledged limited damage and paid a small portion for repairs. However, during the repair attempt by a licensed contractor, additional damage occurred to surrounding roof shingles. This collateral damage was directly caused by the attempt to complete the repair Farmers had approved.Despite my attempts to resolve the issue and pointing out that the additional damage was not pre-existing but rather a result of the covered event, Farmers has repeatedly denied the supplemental portion of the claim, citing "wear and tear" as the reason. The adjuster refused to provide any new written explanation and simply resent a previously issued settlement letter. They also failed to explain how the wear and tear exclusion applies to damage that occurred during a necessary and approved repair.Under Ohio law (OAC 3901-1-54), insurers are obligated to include damage that occurs during the repair of a covered loss. Despite being informed of this and asked to escalate the claim, the insurer has stood by their position without further justification. I have requested multiple times for the matter to be escalated to management, but no meaningful effort has been made to resolve the dispute or engage in good faith.I am now seeking assistance from the BBB to facilitate a resolution, as the insurer has closed all internal avenues and refuses to reevaluate the claim.
Business Response
Date: 05/07/2025
After careful review, we respectfully maintain that the claim has been settled appropriately based on Ohio regulations and policy provisions. An offer has been made to reinspect the property and we encourage Ms. ******* to contact our Claims Leadership team to discuss any additional questions she might have.
Initial Complaint
Date:05/01/2025
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
My partner ***** suffered a rear end accident on 4/1/25. Which, individual from other car accepted full responsibility of accident. Other driver is insured by farmers insurance. Farmers insurance was trying to have my insurance pay even though accident was not my fault. So, on 4/18/25 when vehicle was ready to be picked up from shop, ******* ****** advised me that they will not be paying the shop and that I need to contact my insurance. So I decided to pay out of pocket on 4/18/25 so I can get my vehicle out of shop. I later contacted ******* ****** and advised her that my insurance will not pay due to accident not being my partners fault. I asked ******* ****** for a full refund for shop and a car rental refund as well for the 11 days lost of car. ******* advised me she will process a refund. On 4/29/25 ******* asked me to contact ******** ***** about refund. I had contact with ******** on 5/1/25 and he advised me he cannot give me a full refund. I decided to contact Clementes superior *** ******* on 5/1/25 and he also declined me a full refund. This accident was not my partners fault. I ask that individuals insurance who was at fault take full responsibility. I am requesting $3,923.17 for auto repair shop cost that I paid out of pocket. I am requesting $ 440 refund for rental cost for 11 days of lost. I am requesting $5000 for pain and suffering. Which my partner ***** is having anxiety issues with driving and interfering with her daily life like, taking her son to school and working which her job requires her to drive as a delivery shopper.
Business Response
Date: 05/07/2025
Thank you for notifying Toggle of the concerns presented to the Better Business Bureau. We appreciate the opportunity to respond to this inquiry.
To protect confidential consumer information, we do not disclose information about our review. We have been in contact with the consumer to address their specific concerns in the complaint above.
Sincerely,
21st Century Casualty Company
****** ******
Claims Customer Relations Consultant
**************
Customer Answer
Date: 05/08/2025

Complaint: 23275606

I am rejecting this response because: I was notified through email that I was sent a check for just over 3500 which is not the total amount that I paid out of pocket which was $3,923.17 for repair shop. Paying this amount out of pocket has been setting me back financially. I also attached documents from karlas earnings which business asked. I used my pay time off from work to help ***** for a few weeks after we are an accident which I helped my ***** drive doing delivery orders. I had to return to work after using my paid time off. I still try to help ***** after work when I can. Just this current week as you can see in one of the documents. ***** has earned just under $60 for the week. I also attach a document from my employer from the time I took off. I should have not had to pay out of pocket for repair shop and I also should not had to use my paid time off from work after accident. Myself and ***** depend on her income as well, even though its not much.
I tried uploading documents a few times and I was unable to. Let me know where else I can send documents if needed. Thank you!

Sincerely,

******* *******
Business Response
Date: 05/14/2025
Thank you for notifying us of the further comments presented to the Better Business Bureau. We have now explained the adjustments made to the charges from Mr. ******** body shop of choice in a letter dated May 8, 2025. We have also called to explain how to send us support for a loss of earnings claim and we will review the claim upon receipt.

Should anyone have any questions regarding this response, please contact me at ************** or by email at ******************************************************************************.

Sincerely,
21st Century Casualty Company
****** ******
Claims Consultant
Claims Customer Relations
Customer Answer
Date: 05/23/2025

Complaint: 23275606

I am rejecting this response because: I emailed documents to insurance company. **** from farmers has contacted my partner ***** but, have not reached an agreement. I also did not get a response regarding the remaining balance of what I paid out of pocket.
Sincerely,

******* *******
Initial Complaint
Date:04/30/2025
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
To whom it involves, My sweet wife of 49 years and I retired a few years ago and relocated to *********** from **********. We bought an 1895 home in ********* and currently have homeowners insurance through the Foremost Insurance Company (policy # ***-5008752692-04) We've never before found the need to file an insurance claim until our roof was recently damaged in a storm resulting in leaks. The adjustor came and approved the claim estimating that the damage was a little under our $5,000 deductible. The issue is that our roof is Asbestos and the repairs will be significantly higher than the deductible. The entire roof. according to my research, must be replaced due to the carcinogenic concerns that Asbestos presents and the mandated safety precautions that must be taken. There are four older adults in the home, ***** years, and this Asbestos is even a greater danger when disturbed. I read that we should be away from the home when the Asbestos tile is removed. I've spoken directly with the adjustor, **** Boynkin, to no avail and so has the gentleman we selected to effect the repairs. The adjustor is friendly and says he understands but then doesn't get back to me. The roofer, ********* ********, is very knowledgeable and went into the necessary precautions in great detail. He explained that the Asbestos can't be patched and he submitted an estimate to Foremost. It's been over four months now and we still have the damage and the leaks. I'm retired military and we are on a fixed income. I'm hoping for your guidance on this issue. We only ask that Foremost honor their commitment guaranteed by our coverage. Your help is respectfully requested and deeply appreciated. Sincerely, **** *******
Business Response
Date: 05/09/2025
We are in receipt of your email dated April 30, 2025 concerning an inquiry received from **** *******. In the inquiry, Mr. ******* expressed dissatisfaction with the settlement amount and handling of his claim,specifically regarding communication. We appreciate the opportunity to review the matter and respond.

We take customer service very seriously and have escalated Mr.Elliotts concerns to our Claims Leadership team to review. To further address his concerns, a third-party engineer will be utilized to inspect and evaluate the property and damages. Once the engineer report has been fully reviewed, ********** will promptly be notified of the outcome.

We value Mr. ******* as a customer, and we apologize if any of his contact attempts went unreturned as we strive to handle every claim promptly and professionally. Should Mr. ******* have any additional questions or concerns, we encourage him to contact our Claims Leadership team to discuss.
Initial Complaint
Date:04/28/2025
Type:Sales and Advertising Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Mother in law had insurance policy with Foremost and as her Power of Attorney I pad her premiums. She passed away. I provided a copy of her death cert. and will listing me as Executor (had previously provided the ***** They assured me that her policy was in force /still good that it was in process of updating and that they would contact me when it updated. they instructed me to go ahead and pay the monthly premium ($169.24) and told me it would be refunded when they updated everything. They never contacted me. I followed up and they said I had been misinformed, the policy was no good as the policy holder had died and I needed a new policy.( I had been told the policy was still good but essentially we had no insurance.) So they told me it was all set up to cancel I just needed to send an email then they would refund the old policy premiuma due back to me. They then they transferred me over to sell me a new policy in the heirs names. They then rejected my request to cancel the policy stating that they needed the same documents sent AGAIN with a date to cancel. I sent a reply stating they had the documents (which they acknowledge that they do in fact have) and that the date was effective immediately. I then heard nothing at all from them neither requesting still more information, confirming nor rejecting the request. Nothing at all. Until I get an overdue notice where they are saying that policy is not only still not cancelled but now in arrears for non-payment. They never cancelled it. They never followed up, they had everything they needed and it is still ongoing. They have two policies on this address, one in the name of a person they KNOW is deceased as they have had the death certificate for coming on two months. is that even legal?! They were paid for March 2025 erroneously and have not cancelled nor refunded the policy amount paid after they were notified of her death and to cancel.
Business Response
Date: 04/29/2025
Case:? 23252095

To Whom It May Concern:?

Thank you for notifying Farmers of the concerns presented to the Better Business Bureau. We appreciate the opportunity to respond to this inquiry.?

To protect confidential consumer information, we do not disclose information about our review. We have been in contact with the consumer to address their specific concerns in the complaint above.?
Initial Complaint
Date:04/24/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Farmers insurance took $33.32 from my bank account and I have no affiliation with this insurance company. None what so ever. Never had a policy with this company. But some how they stole $33.32 from my bank account. I had to dispute it with my bank which is still pending and change debt card number and wait for card in mail. ***** Fargo wasnt helpful either. Its confusing, agonizing, illegal, unethical, financially draining and unnecessary.
Business Response
Date: 04/28/2025
We emailed the insured requesting the documentation for the draft so it could be researched. We are sending this back because we have not heard back from them so we are unable to research this and assist.
Initial Complaint
Date:04/23/2025
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Claim with Farmers insurance My attic was not toued
Business Response
Date: 05/01/2025
Dear Better Business Bureau,
Thank you for your correspondence concerning a matter brought forth by ****** ******.We take the customer experience seriously and appreciate the opportunity to review the matter and respond.
Our file reflects we have completed an estimate for Ms. ******* damages which includes the replacement of the damaged insulation in her attic. We are not aware of any additional damages to the attic. Ms. ****** has been contacted by the claim supervisor and provided this information. Should Ms. ****** have any additional questions regarding her claim, we encourage her to contact us directly.

Sincerely,
Foremost Insurance Company ************, ********
Initial Complaint
Date:04/23/2025
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am insured through Farmer s Insurance Group for my Homeowners Insurance. The right corner of my house roof was damaged by tree from my neighbors yard (75 ft approximately). The tree damaged my fence and left a large crack on the rear wall/ chimney.near the right corner., This damage happen during Hurricane ****** on September 26th, 2024 in *****, *******. Four ******** Insurance Adjusters have viewed the damages but no repairs have been made as of yet,
Business Response
Date: 05/01/2025
We thank you for bringing this matter to our attention.A secondary inspection of the property has been completed and Mr. ****** has been paid for damages covered by this loss. An important provision of the policy is to protect the property from further damage. We encourage that ********* selects a contractor of his choosing to begin repairs to his property.We will continue to work directly with Mr. ****** and answer any questions he might have.
Initial Complaint
Date:04/22/2025
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am reaching out to the Better Business Bureau regarding an insurance claim for my mothers home. My mother lives alone and recently became seriously ill, necessitating her hospitalization. During her time in the hospital, I traveled from ******* to care for her. Upon her discharge, I brought her back to ******* to provide support.While she was hospitalized, a pipe burst upstairs, leading to significant water damage. Denver Water turned off the water supply, resulting in a substantial mold growth that has prevented my mother from returning home. I contacted Farmers Insurance, and an adjuster was sent to assess the damage. Unfortunately, their evaluation was inadequate. The adjuster entered the house, made a ***** assessment, and failed to thoroughly inspect the entire property. Most of the damage is in the basement, which includes a den, a bedroom, and a bathroom, but the adjuster also neglected to examine the upstairs area. Additionally, they claimed that the gas usage was insufficient to heat the house. My mother, who is over 80, typically uses space heaters in her room, and I had a contractor friend document this situation with photographs. However, the adjuster refused to accept this evidence and subsequently denied our claim.I believe the adjuster did not fulfill their responsibilities, and I am dissatisfied with the handling of this situation. We have fulfilled our obligations under our insurance policy, and it is disheartening to have to fight for the coverage we deserve, especially considering my mother's age and circumstances. I am also reaching out to the media to highlight this issue, as I believe it constitutes mistreatment of the elderly. No one should have to struggle to secure the essential support they need.Thank you for your attention to this matter. I appreciate any assistance you can provide.
Business Response
Date: 04/29/2025
We are in receipt of your email dated April 22, 2025 concerning an inquiry received from ****** *****. In the inquiry, Ms. ***** expressed dissatisfaction with the coverage outcome and handling of her mothers claim. We appreciate the opportunity to review the matter and respond.

After careful review of her mothers claim file, we respectfully maintain that the coverage outcome and handling are appropriate based on her mothers policy provisions. The claim was reported for water damages from frozen pipes. The policy requires that reasonable care is used to maintain heat in the home, or that the water supply is turned off and fully drained, to extend coverage for water damages resulting from frozen pipes. The investigation revealed there was insufficient gas and electrical usage to have maintained proper heat in the home based on the utility statements and historical weather data, and no documentation was provided to support that the water supply was turned off and fully drained. As the policys requirement was not met, coverage could not be extended for the loss. As no new information has been presented, the coverage outcome stands. However, we welcome any additional information Ms. ****** her mother, or their contractor, can provide for further review.

We value Ms. ****** mother as a customer, and we regret we do not have a more favorable outcome. Should Ms. ***** or her mother have any additional questions or concerns, we encourage them to contact our Claims Leadership team to discuss.

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Farmers Insurance is NOT a BBB Accredited Business.