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Business Profile

Property Insurance

De Smet Farm Mutual Ins Company of S.D.

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Property Insurance.

Complaints

Customer Complaints Summary

  • 2 total complaints in the last 3 years.
  • 1 complaint closed in the last 12 months.

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Submit a Complaint

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.

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Complaint status

Complaint type

  • Initial Complaint

    Date:07/12/2024

    Type:Service or Repair Issues
    Status:
    Unanswered
    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.
    We received a letter June 6 to tell our home owners insurance policy would not be renewed because it does not meet underwriting standards. When we called we were told we needed to fix our chimney. The adjuster came by July 9 and talked to our contractor who said he was going to be fixing the chimney and adjuster said he would call the next day to let us know if the repair was going to okay with the insurance company. The next day we found out there were other reasons besides the chimney but when I asked what they were they could not tell me. Called again July 11 and asked again for a reason. July 12 my agent called to tell me he received an email saying they are not required by law to give us a reason for not renewing our policy. We have been a faithful customer for over 25 years, never missed a payment and they are just dropping us with no explanation or giving us a chance to correct problems.

  • Initial Complaint

    Date:02/12/2024

    Type:Billing Issues
    Status:
    Unanswered
    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.
    On March 23, 2023, I filed a claim (#23-261) with ** **** **** ****** ********* **. (DSFMI) due to severe damage inflicted to my shop's floor heating system by extreme weather conditions with below-zero temperatures. The PEX tubing in the concrete floor heating system burst throughout the 2,520sq. ft. shop floor due to severe freezing and subsequent liquid expansion.

    Upon contacting DSFMI on April 5th, 2023, they sent a claims adjuster and heating contractor to assess the damage. However, the adjuster performed a biased assessment, attempting to shift responsibility to me rather than objectively assessing the weather-related damage. Consequently, DSFMI decided against replacing the damaged tubing, opting instead to locate a contractor to repair all PEX tubing leaks by demolishing areas of the concrete floor. Despite promises, DSFMI failed to find a capable contractor and delayed resolution.

    Frustrated by DSFMI's inaction and unfulfilled promises, I sought assessments and recommendations from three third-party heating contractors, all advocating for tubing replacement (see attached). Despite professional recommendations, DSFMI refused to comply.

    Subsequently, DSFMI spent almost two months locating a contractor who deviated from industry standards, but claimed they could repair the leaks. Accordingly, the contractor began the work but ultimately concluded that the tubing within the concrete must be all replaced.

    By December 21st, 2023, DSFMI acknowledged irreparable damage to the floor but refused to complete the claim, demanding more estimates and further delaying resolution. Additionally, on February 8, 2024, DSFMI unexpectedly refused to renew my policy without providing a reason, further indicating their unwillingness to address the claim or adhere to legal obligations.

    Because DSFMI is effectively delaying and failing to resolve and complete this case, I respectfully ask the BBB to help us resolve this unfair and unjust business conduct.

De Smet Farm Mutual Ins Company of S.D. is NOT a BBB Accredited Business.

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