Tuesday, September 16, 2008

My letter to State Farm

Dear State Farm:
I am writing to express my deep disappointment in our relationship as it currently stands. We have been a State Farm family for generations. Immediately family members have worked and continue to work for you. My husband's big wheel as a toddler had a State Farm bumper sticker on it. We have State Farm life insurance, auto insurance, and home insurance. We consider our business relationship to be a very personal one. You, however, clearly do not and this saddens me.
I understand we need to pay a whopping hurricane deductible of 2% of the value of our home. I am fine with that. You need to keep the shareholders happy and make a profit - which is hard to do in this state. I even understand that I have to wait for the insurance adjuster to visit my property before I can get repairs that you will no doubt have to pay a good portion of. What I don't understand is why it will take so damn long for the adjuster to visit?! I performed my due diligence, notifying you of the damage to my home as the winds of Gustav were still whirling by on September 1. The adjuster did not call until today, and cannot see me until October 9.
My roof, while tarped, is still seeping water every time it rains. I will certainly have mold growing that will need to be dealt with after such a length of time. I note that there is a mold exclusion in my home owner's agreement. I sincerely hope you do not plan to play that card since it will be your fault I have not been able to schedule the mold-avoiding repairs necessary for my home. I would be way too pissed for words should that happen. Thought you should know.

Your number one fan

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