Complaints

This profile includes complaints for Missouri Farm Bureau's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Missouri Farm Bureau

  701 S Country Club Dr Jefferson Cty, MO 65109-4571

• 

  Missouri Farm Bureau

  3343 N Highway 67 Florissant, MO 63033-1604

• 

  Missouri Farm Bureau

  11 Sydnorville Rd Ste 1 Troy, MO 63379-3224

• 

  Missouri Farm Bureau

  21 W Saint Joseph St Perryville, MO 63775-1344

• 

  Missouri Farm Bureau

  609 E South St Bolivar, MO 65613-2447

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:07/16/2024

  Type:Product 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 provided screenshots of my bank statements involving them. They should have stopped last year, when they kicked us off of our insurance and supposedly cancelled our membership. It has been a repeating bill of $19.00 monthly since, but every attempt to get my bank to assist has failed. It has been cancelled now? But I only recently found out how long it had been active for, and they have even sent my account into the negatives twice now, last month and this month. Now, I want the year's worth of money they weren't supposed to have, due to their own actions, and I won't be requesting compensation for the overdraft fees. I don't wish to make this a big legal matter, I just want my money back.

  Business Response

  Date: 07/17/2024

  Insureds Auto policy had been cancelled and no premiums had been paid after that.  Insured still had an active Life policy that he had not cancelled and was still being paid for.  Insured ****** did talk to a member of Life yesterday and cancelled the Life policy and a refund of one monthly payment of $19.00 will be refunded.

• Initial Complaint

  Date:07/15/2024

  Type:Order 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.

  In April, 2024 we had shingles blow off the roof of one of the our eleven buildings. We filed a claim in early May. We got no feedback on the claim so I called the company. They gave me the adjuster's name and phone #. I called him three times and left a voicemail message. I received no calls back from him. I then called the company again and spoke to his supervisor. He assured me that he would follow up. I have not heard back from him after leaving two voicemails. In the meantime I have contracted to have the roof repaired but cannot until I'm told the results of the claim. I don't know that the roof has even been looked. This claim has been dragging on for two and a half months.

  Business Response

  Date: 07/15/2024

  We will need more information.  I cannot find a claim for the insured.  The insured might reach out to his agent or call our call center to report the claim.

  Customer Answer

  Date: 07/16/2024

  I want a response, answer, from MO Farm Bureau for the insurance claim that I submitted so that I can proceed in having my contractor replace the roof.

  Customer Answer

  Date: 07/17/2024

  My claim number is CPP2024-342257. The original adjuster was named ***************************** and his supervisor is ******. 

  Business Response

  Date: 07/23/2024

  Missouri Farm Bureau inspected our insureds property in June of this year.  Shortly after our insured Missouri Farm Bureau sent a letter to our insured advising of our inspection results.  As well our adjuster left them a message in beginning of July about their claim.  We will resend our letter outlining our findings to our insured.

  Thank you,

• Initial Complaint

  Date:06/13/2024

  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.

  From 2-14-24, I called our local MOFB in ***. Grove, ***, to get answers to questions I had, w/regard to everything from WHY the Dodge truck ins. is now ~ $90.00 MORE than last time (we've had NO claims on it, whatsoever)! The office girl said it was a "company-wide policy"; it is a % formula; & will LIKELY APPLY TO EVERY POLICY WE HAVE! If we only insured 2-3 items, the increase would STILL be unreasonable...however, we've insured EVERYTHING w/MOFB for ~25 yrs: that included 2 farms for MOST of those yrs.; 2 homes; several farm bldgs.; 3-4 trailers; & 2-3 vehicles at a time!! We CANNOT afford to be slammed w/increases like that...& there was NO WARNING, WHATSOEVER: NO E-Mail/phone call/letter from MOFB saying this was happening &, even worse, our agent (*************************) NEVER gave us a "heads up" about it!! So, we took ALL of our business (except for 1 policy on our NEW home) away from MOFB & went w/another ins. ***** In settling up our refunds, MOFB did NOT provide the ************** as to how they arrived at each amount...AS REQUESTED!! Very unexpectedly, we received a CANCELLATION letter on the NEW home, which WRONGLY blamed 3 ins. claims on IT, & perpetuated several ERRORS, LIES & MISREPRESENTATIONS which MOST LIKELY will affect the **** of refunds owed to us!!! NOW, WE HAVE NO INSURANCE ON OUR HOME!! Now, I'm holding 2 UNCASHED checks (1 on GARAGE roof & 1 on HOUSE roof) because they were estimated using INCOMPLETE & INCORRECT figures, & LEFT OUT critical items as covered in MANUFACTURER'S INSTRUCTIONS for installing shingles!!! All THIS has to be straightened out, but our ************** DO NOT return calls/E-Mails/or address these issues for MANY DAYS to WEEKS to MONTHS!!! I am now sending FORMAL COMPLAINTS to various individuals directly concerned, including departments or ************************ tasked w/assisting customers (incl. senior citizens) in resolving these long-standing issues!!!

  Business Response

  Date: 06/20/2024

  Claims:
  With regards to Mr. and Mrs. ******* claims, Missouri Farm Bureau prepared an itemized estimate for each loss.  A portion for one of the claims was not covered, and a detailed partial denial letter was sent explaining why we could not consider that area of the loss. Missouri Farm Bureau contends all areas of the claims have been addressed, and Mr. and ***************** will need to visit with their previous contractor regarding their displeasure in his workmanship/repairs.
  
  Rate increases:
  No company likes to take rate increases.  However, in order to remain financially sound with ability to pay our customers current and future claims,it has become necessary.  High levels of inflation, high frequency of severe convective storms, increased frequency and severity post the ***** pandemic period downturn have contributed to poor experience necessitating the need for an increase in insurance premiums.  This is a global phenomenon with most insurance carriers having to increase rates to cover expenses. We continue to analyze our rates to be sure that they are adequate and competitive.  We recommend to all customers to complete a full review with your agent to review coverages, deductibles and discounts to make sure that all is accurate.
  
  Refunds:
  If any changes to premium are made mid-term or if the policy is cancelled mid-term, we calculate the premium refund pro-rata based on the length of remaining time in the term.
  We use the following calculation:  Earned premium = Total days policy in effect/365.
  To summarize, we charge you appropriately for the coverage that you had in force for each specific period of time.
  
  Reasons for non-renewal of property policy PRO0581712:
  We have reviewed the non-renewal decision for your property.  The claims and construction concerns listed on your non-renewal letter are accurate. The letter advising of non-renewal was mailed consistent with our practice and provided you with the appropriate amount of notice prior to your renewal. Unfortunately, due to the reasons listed on your letter, we cannot continue to insure your property.
  
  County/acreage concern:
  We did have your policy PRO0581712 rated incorrectly regarding the county.  However, the county that your policy was rated for actually had a lower premium so no refund for the county is owed. Regarding acreage, we assess a charge by acreage ranges.  The rate for 69 acres and 80 acres is the same as it falls in the same range.  So, there would be no difference in premium there either.
  

  Customer Answer

  Date: 06/20/2024

  Complaint: **842976
  
  I am rejecting this response because:  H36303**335303**432H DID NOT address ALL the issues in the attached document!!!  For example, their comments about raising rates WITHOUT prior notice to a long-time customer is ABSOLUTELY NOT satisfactory!!!  No explanation was made whether it was for 1 item on the policy...or for every single, solitary item insured on every single solitary policy!!!  No explanation was given for how they arrived at the figure they did!!!  These are only a COUPLE of the PROBLEMS with their attitude about answering questions!!!  They need to go back and READ everything!!!!!  Paragraph #2 was similarly NOT answered; so was #3; #6; #7; #8; #9; #**; #**; #**; #**; #**; #**; #**; #**; #**; #**; #**; #**; #**; #**; #**; & #**!!!!!!!  Finally, on page 6 of my documentation, they FAILED to address the 3 paragraphs listed...which shows their total LACK OF UNDERSTANDING or CARE ABOUT HOW A GOOD CUSTOMER SHOULD NOT BE TREATED!!!!!!!!!!!!!  They LOST ALL OF OUR BUSINESS, and my complaint will be forwarded to EVERY SINGLE DEPARTMENT, AGENCY, WHATEVER... UNTIL THEY SEE FIT TO ANSWER QUESTIONS LIKE A RESPONSIBLE BUSINESS AND CORRECT THE ERRORS MADE...AND RE-DO THE ESTIMATES (BOTH OF THEM!!!!!), USING THE CORRECT MEASUREMENTS!!!!!!!!!!!!!!!!!!!!!!!!!!!!!  BOTTOM LINE:  THEY DID NOT USE ACCURATE MEASUREMENTS ON EITHER THE GARAGE OR HOUSE ROOF(S)...IN ADDITION TO NOT INCLUDING THE ***** ROOF!!!!!!!!!!!!!!!!!  IF THEY ARE ADULTS AND CAN READ, WRITE AND CALCULATE, THAT SHOULDN'T BE IMPOSSIBLE TO DO!!!!!!!!!!!!!!!!!!!!  THEY CAN COME BACK OUT AND MEASURE EVERYTHING AGAIN, AND START OVER!!!!!!!!!!!!!!!!!!!!!!!!

  Sincerely,
  
  ***********************

  Business Response

  Date: 06/21/2024

  Missouri Farm Bureau stands by our handling of the claims, and underwriting of this policy and will not change our position.  We will prepare a detailed letter for our insured.

• Initial Complaint

  Date:05/03/2024

  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.

  I had a bathroom remodelled by their insurance, Finish Line Construction. Due to their negligence, we had to file against their insurance, Missouri Farm Bureau Insurance, for damages. Claim: BOP ***********. It was handled by an adjuster in office initially then moved to a field adjuster, *************************. She came to the home and we communicated regularly. On April 4, 2024, she spoke with me about damages, asked for a few additional pieces of paperwork and said she can get this wrapped up quickly for us. That was the last time I spoke with her. In the last month, I have called twice and left voicemails, emailed her three times checking in, checking on the status. I have been ignored every time. If the claim won't be paid, I should receive it in writing with an explanation. I have NEVER had a real company ghost me like this. She was very kind and helpful and then something happened April 4th and she has ignored us ever since and that is unprofessional and unacceptable. I want the claim paid out as promised or, at the very least, a reason for the denial and a reason/apology for the ghosting of us.

  Business Response

  Date: 05/14/2024

  Missouri Farm Bureau has prepared an estimate of repair for the damages to ******************** dwelling caused by our client as well as the damage to ******************** personal property.  An estimate has been sent to ******************** along with a Property Damage Release.  Once ******************** has signed the Property Damage Release we will extend payment as outlined in the Property Damage Release.
  
  Thank you,

  Customer Answer

  Date: 05/16/2024

  Complaint: 21664368
  
  I am rejecting this response because:
  
  Yes, I received the estimate and payment AFTER filing a BBB complaint. Lossees should not need to jump through these hoops for you to do what is required of you. I should not have been ghosted and this should have been settled a month ago. I appreciate BBB for being the fire under these companies to do their jobs and make things right.
  
  Sincerely,
  
  ***************************

• Initial Complaint

  Date:03/15/2024

  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.

  A tree in front of my house was uprooted during a windy day and it fell on my roof causing 4 holes on March 3, 2024. I was advised to tarp the roof and someone should be out within a week to look at the damage for an estimate. It is now almost two weeks and I have yet to receive any update on my claim, nor has anyone been out to look at the damage. Due to safety issues I had to pay a company to come cut the tree back so that I could stay in my home because the tree was literally only held up by my roof and I was advised it wasn't say to stay here as it could cause more damage if the tree happened to break or move while leaning on the roof. I called the claims rep regarding all these details and she advised me to send her all the pictures, videos, and receipts as proof the tree was on the house which I did a few minutes after our call. This was on March 11, 2024. Since then she has not responding stating she received the information, nor has she answered my call inquiring about the hold up on someone coming out for an estimate. I can't call anyone for repairs until I receive the estimate and I'm stuck with a home that has holes in the roof during the beginning of rainy season. I called customer service who said someone should have been out within 48 hrs so I'm not sure what the hold up is but even just some regard towards my situation and an update on when I should expect the inspector would've helped put me at ease but instead I have been tryingignored. I just don't understand what is going on and I feel defeated on getting any support through the situation from insurance.

  Business Response

  Date: 03/22/2024

  Shortly after receiving the notice of loss, Missouri Farm Bureau's adjuster contacted our insured and went over the claim process.  An inspection of her property was performed on March 19, 2024.  After the inspection our adjuster wrote an estimate for the damages and settled the claim in accordance with our insured's policy conditions.  A copy of our detailed estimate was emailed to our insured upon issuing settlement.  Missouri Farm Bureau has closed the above claim.  If you need additional information, please let us know.

• Initial Complaint

  Date:09/05/2023

  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 filed a claim for an accident that occurred on 6/17/2023. I was not at fault. The insured driver was insured by Missouri Farm Bureau.
  As of today 9/5/2023 I still do not have my car back. It is not ready at the collision center and Missouri Farm Bureau is demanding I return the rental on 9/8 even though the repairs are not complete, leaving me without a vehicle. I may have to seek legal counsel to resolve this matter. They should cover my rental until the car is repaired completely.
  I have reached out to them several times for updates and had to contact the adjust myself to get the initial appraisal and supplement approved. This third party adjuster they use, called ********, is incompetent and contributed to the delays in repairing my vehicle.

  Business Response

  Date: 09/07/2023

  Missouri Farm Bureau has agreed to authorize *** ********* rental until September 8, 2023.  This is
  over and above the allowable rental for repair time based on the labor hours
  shown in the original estimate and the supplement.  The adjuster was advised by her shop in late
  July the parts for the vehicle had arrived and the repairs were moving
  forward.  To date, Missouri Farm Bureau
  has authorized 75-days of rental.  We feel
  this is beyond ample time to complete the repairs to her vehicle.
  
  Thank you,

• Initial Complaint

  Date:08/04/2023

  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 had 3 55 inch TVs that were damaged.  They did not give me the full amount needed to replace them. The only gave me 254 dollars.  I called and spoke with ***** about my issue and it has not been resolved

  Business Response

  Date: 08/15/2023

  *** ***** filed
  a claim with Missouri Farm Bureau for vandalism to some of his personal
  property.  We reviewed the items he
  claimed and paid in accordance with his policy. 
  Mr. Davis contends he has not been paid for the full replacement cost of
  his items.  Per *** *****’s policy he
  will need to replace the items, and then provide us with the receipts/invoice
  for review and consideration.  *** *****
  will have180-days from the date of initial payment to make the replacement cost
  claim.
  
  Thank you,

• Initial Complaint

  Date:06/20/2023

  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.

  Insurance company is withholding money for depreciative value after required repairs were made

  Business Response

  Date: 06/29/2023

  Mr. ******** filed a claim for damaged to his property that
  was the result of a recent storm. 
  Missouri Farm Bureau’s adjuster inspected the property and issued
  payment for the Actual Cash Value.  We
  advised Mr. ******** once the roof was replaced, he could submit the invoice
  and make the replacement cost claim.

  
  Upon reviewing Mr. ********’s invoice for the completion of
  the damages, it was determined he replaced the damages for less than our
  initial payment.  Based on this
  documentation there would be no additional holdback payment.

  
  Since the repairs were done for less than what we have
  already issued, Missouri Farm Bureau will not be able to issue any additional
  payment to Mr. ********.

• Initial Complaint

  Date:06/12/2023

  Type:Order 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 have a policy on a ranger boat
  I was out on the lake and the top of the boat is busted and  3 pieces in total need to be repaired. I went to a boat specialist and they told me 1800 dollars for the repair costs in total. I got a check from my insurance adjuster in the amount of 246 dollars and I called to discuss but they didn't return my call.  My agent finally then sent her an email and the claims adjuster called and said I would only receive 798 in total for the repair of my boat.  This is not sufficient to repair my boat and needs to be adjusted to cover all parts  including labor.

  Business Response

  Date: 06/20/2023

  On May 15, 2023 Mr. **** ****** **. filed a claim under his
  Missouri Farm Burau Boat Policy for a broken cowl hood to his 2002 Mercury
  Outboard Motor.  The adjuster assigned to
  the file requested Mr. ****** supply us with an estimate for review.  Upon receiving Mr. Fisher’s estimate, we
  advised him the cost to repair the hood was double what it would be to replace
  the hood.

  
  Missouri Farm Bureau revised Mr. Fisher’s estimate and
  issued payment to him in accordance with his policy.  Shortly afterwards we received notice of additional
  damage to the lower hood.  An additional
  payment was issued to Mr. ****** for this portion of the motor.

  
  Mr. ****** is requesting Missouri Farm Bureau extend payment
  for repairing the hood, but it is more cost effective to replace the hood.  Per the policy Missouri Farm Bureau will pay
  to repair or replace, whichever is less. 
  Payment has been issued to Mr. ****** in accordance with his policy
  language.

• Initial Complaint

  Date:10/25/2022

  Type:Customer Service 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 car was damaged by an individual insured by Farm Bureau automobile insurance on August 12, 2022. Missouri Highway Patrol handled the report and submitted the other driver's insurance, report, and pictures of the damage. I attempted to contact the individual handling the claim through Farm Bureau ****** ******) multiple times. She did answer my call twice, but never returned my messages either left directly with her or with others at Farm Bureau that told me they were emailing her my request for a call. The response when I did speak with her was that their insured driver had not responded to the claim, but would not account for attempting to establish liability. It really felt like I was getting the run around. The second time I was able to get ahold of her she said to have State Farm (my insurance company) begin the subrogation/arbitration process. This was well past the 60 mark of the incident. After attempting to call, and leaving messages twice today with still no response, and mentioning that it had been far past 60 days and that I was feeling the need to file a complaint with Missouri Department of Commerce and Insurance, I finally received an email stating they were denying the claim. I feel that this was mishandled from the start. I also feel like this was done, and perhaps is done to other as well, to avoid paying out when someone cannot afford to pay their deductible and have it go to arbitration through insurance companies, in the hopes they will just drop it. I feel it is unethical and poor business on the part of Farm Bureau. I tried to presume positive and be understanding of the wait time until we got past 60 days beyond the date of the damage.

  Business Response

  Date: 10/27/2022

  “Please
  accept this as response to *** ***** ********** complaint.  Missouri Farm
  Bureau’s investigation into this accident determined our insured was not
  legally liable for *** ********** damages.  The investigation into this
  accident lead to conflicting statements from the parties involved, and we have
  denied *** ********** claim.
  
  Thank
  you,”
  

  Customer Answer

  Date: 10/27/2022

  Complaint: ********
  
  
  
  I am rejecting this response because: I understand that their client is denying fault. However, here is a Highway Patrol report that shows pictures and that their insured driver is who caused the damage to my car. Moreover, it was also unacceptable that they responded to my claim a couple of months after the car was damaged. It did not appear that they had made any attempt to contact the other driver to establish liability. The Farm Bureau agent in charge of the claim told me to just have my insurance take it to arbitration, before even attempting to establish liability. The day I called to inquire as to why I still had not heard anything and mentioned filing a complaint, they were very quick to send me an email denying liability. 
  
  
  
  
  
  Sincerely,
  
  
  *** ***** ********