Hurricane Beryl made landfall as a Category 1 hurricane early Monday morning near Matagorda, Texas with sustained winds of 80 mph. 

Customer Response Unit (CRU)

The State Farm Customer Response Unit (CRU) has deployed and is on the ground in Houston responding to support residents during the aftermath of Hurricane Beryl.  CRU team members are driving around the impacted neighborhoods and handing out needed items such as bottled water, first aid kits and work gloves to anyone who needs it. 

The CRU team responds immediately following a disaster and navigates throughout impacted communities to provide in-person contact and friendly support. State Farm is there to support residents during this first and critical step on the road to recovery.  

Catastrophe Customer Care Sites

Catastrophe Customer Care Sites were established in the Houston Metro area, where home and auto claim handlers were onsite to assist policyholders with claim handling needs.

In addition to the teams of catastrophe claim specialists on the ground to evaluate damage, our Beryl response includes State Farm agents who live and work in the same neighborhoods as our customers. They are joined by thousands of employees in centralized care centers across the country virtually helping answer customers’ questions and file their claims. Our remote claim teams are able to conduct virtual inspections with impacted customers following the storm, helping them in their time of need.

Claim filing options for those with damage from Beryl

As residents discover damage from the storm, they are encouraged to file their claim as soon as possible to begin recovery. State Farm customers can submit and manage their claim through various channels: submitting a claim through our mobile app, calling or emailing their State Farm agent, calling 1-800-SFCLAIM, through our website at statefarm.com/claims, or text the word “CLAIM” to 62789 to receive a link to file a claim.  

Use of technology to reach customers in more ways

State Farm is making the most of technology to reach customers in more ways and make the process of resolving claims even faster and easier:

• Digital pay options allow for claim settlements to be direct-deposited into customers' bank accounts, getting funds to customers more quickly, whether or not banks are open.
• Customers are encouraged to use the State Farm Mobile App and online account access for many self-service options such as filing and tracking claims, uploading documents during the claims process, requesting emergency roadside service, setting up a rental car reservation and setting up digital pay. 

Tips for clean-up, recovery & claims process

When it is safe to do so, residents with property damage should have reasonable temporary repairs made to prevent further damage to their property to remove debris and cover any openings created by the storm. Depending on your coverage, these repairs may be reimbursed. Save receipts if you purchase items such as tarps and plywood or other supplies to make repairs. Keep track of the time and money you spend protecting your property.

• Document and photograph everything! To assist with the insurance claim process, be sure to document items that are damaged. You can do this by providing purchase receipts for the damaged items, photographing the items and by making a room-by-room inventory of missing or damaged goods. Don’t discard or repair anything prior to reporting the claim.
• If you decide to use a contractor, get a receipt for the cost of labor and materials to give your claim representative. Don't have any repair work done until you discuss with your claim representative. Also, preserve all building materials removed by any contractor or vendor until you speak with State Farm.
• Be careful before signing anything without fully reading the documents. Be diligent before signing anything with a vendor or contractor that solicits you directly and advises you to file a homeowner’s claim.

In addition to our specialized Catastrophe Claims Response vehicles, State Farm has deployed the Customer Response Unit (CRU) to begin distributing water, work gloves, and other essential items to help residents as they recover from the devastating wildfires. The CRU van will be driving around the impacted neighborhoods as they become accessible. 

Teams are in the Ruidoso area to assist our customers. They are currently setup at: 
237 Service Rd 
Ruidoso, NM 88345

A few key tips:

• Safety first:  Material things can be replaced but the loss of life or serious injury can’t be fixed.
• Stay tuned:  Follow news reports and information from first responders.
• Keep living expenses receipts:  They may be reimbursable after meeting your deductible.
• What to expect from the claims process:  We will work with you closely to resolve your claim..

If you sustain damage, file a claim.

When it is safe to do so, file a claim. Contact State Farm® to get the process started - contact your agent, call 1-800-SF-Claim, go to statefarm.com or use our mobile application.​

Although lightning is an amazing act of nature, it can cause damage far beyond a storm you watch through your windows. Take for instance, lightning can strike up to 15 miles away from a developed storm. That’s why the adage “When thunder roars, go indoors” makes so much sense and why we get so nervous when that one family member (we all have one) rushes outside when they hear thunder.

According to the Insurance Information Institute, ground surges account for 50% of lightning related claims. This means that if lightning strikes near a home, it can cause a spike in electricity and short out a its electrical systems. Think the cost to replace shorted out electronics won’t hit your pocketbook too hard? Considering that in 2021, the average cost a lightning claim from State Farm was $12,000, you may think again.

“Look at everything in your home that is plugged into a wall. Now, take into account how much it would cost to replace even half of those items,” said Gina Wilken, State Farm Public Affairs Specialist. “Preparation is key for any kind of weather, and lightning is no exception. Have an annual conversation with your agent to ensure your coverage matches your life so that when something happens, you’re covered.”

To prepare your home for lightning

• Consider investing in lightning protection such as a lightning rod or surge protection devices.
• Consider a UL-listed surge protection device
• Talk with a trusted contractor or electrician to decide what is best for your home. 

In-office, hybrid (work from office 1 week/month), and work from home opportunities include positions based in or near one of our primary locations or working from home in select areas.

Before applying, interested job seekers may attend an online career fair and speak directly with a hiring manager or recruiter to learn more about opportunities, benefits, pay and culture. Registration links are available below. 

Job seekers interested in hybrid or in-office Claims, Customer Service, Sales, and Underwriting positions can register to attend the “New Year, New You in 2022 Career Fair.” Opportunities include full- and part-time positions. Insurance experience isn’t necessary.

New Career, New You in 2022 Career Fair

Thursday January 20, 2022

11:00 am – 3:00 pm CST

Primary job opportunity locations include:

• Bloomington, IL
• Richardson/Dallas, TX
• Tempe/Phoenix, AZ
• Dunwoody/Atlanta, GA

Job seekers interested in work from home Claims positions can register to attend the “State Farm Work from Home Opportunities Fair.” These include full and part-time positions that are remote/work from home.  Claim Specialist–Proximity positions seek candidates with relevant claims adjusting experience and/or a construction background.

State Farm Work from Home Opportunities Fair

January 27, 2022

10:00 AM - 12:00 PM CST

For work from home opportunities, interested applicants must live within 100 miles of select locations, including:

• Newark/Columbus, OH
• Winter Haven/Orlando, FL
• Concordville/Philadelphia, PA
• Murfreesboro/Nashville, TN
• Greeley/Boulder, CO
• Richardson/Dallas, TX
• Bloomington/Peoria, IL

Some of these positions serve customers through in-language claims teams. Bilingual employees are needed for Spanish, Cantonese, Vietnamese, Mandarin, and Korean languages.

You can learn more about available job opportunities by searching StateFarm.com/careers.

It’s here that the remarkable service of State Farm shines. Bringing the largest disaster response in the industry means a coordinated effort of people, technology and resources, all working together to provide exceptional service to policyholders and support to the community.

State Farm is there

State Farm Claims specialists assist customers at Louisiana Customer Care sites

In addition to thousands of employees remotely helping thousands of customers on the phone and online, State Farm claims operations are on site, day after day, helping policyholders in impacted areas.

In support of Ida response, State Farm set up seven mobile Customer Care sites – four in Louisiana and three in New York, New Jersey, and Pennsylvania. These operations bring claims teams and customers together to inspect vehicles, help with questions, and disburse payments.

Over the last two weeks, more than 1,500 customers have been given in-person help at our Louisiana Customer Care sites. So far, our overall claims operations have been able to reach more than 90% of customers who have filed a homeowner claim related to Ida, with 1 in 4 of those claims already settled.

Neighbors helping neighbors

A big part of the State Farm difference is the 19,000 State Farm agents who live and work in the same communities as our policyholders. That means that in addition to access by phone, app, and web site, State Farm customers have a State Farm agent right there in the neighborhood, ready to talk through your hopes, plans, and needs. And when disaster happens, they are neighbors ready to help.

In the wake of Ida, State Farm agents reached out to customers in impacted areas to help the recovery process.

Agent Courtney Gulledge of Harahan, La., lived up to that promise when one of her policyholders, Tassanee Nirandorn, received severe damage to his home. Courtney used draft authority, which allows agents to directly disburse payment toward the settlement of a claim. By providing an advance on claim payments, we can help customers start the process of recovery. Nirandorn was pleased with this service, saying, “On the news, all I have heard is that insurance companies are a pain to deal with, but that has not been my experience. State Farm has been exceptional during this process.”

Supporting the larger community

In addition to helping policyholders recover from the unexpected, State Farm has used its philanthropic resources to support community organizations that are helping the recovery process.

State Farm has issued $900,000 in disaster-relief grants to community organizations in Louisiana, New York, New Jersey, and Pennsylvania, plus a $10,000 grant to the Midwest Food Bank in Illinois to provide support to multiple Ida-impacted areas.

Louisiana:

• $400,000 to support the local Red Cross chapter of Southeast Louisiana
• $150,000 to support Second Harvest Food Bank of Greater New Orleans
• $100,000 to support Northshore Community Foundation
• $100,000 to support The Catholic Charities Diocese of Houma – Thibodaux

Northeast:

• $50,000 to support American Red Cross New Jersey Region
• $50,000 to support American Red Cross Greater New York Region
• $25,000 to support American Red Cross Southeastern Philadelphia Region
• $25,000 to support the Philabundance organization

“In the aftermath of Hurricane Ida, we are truly proud to work alongside partners such as State Farm who have raised their hand to support thousands of families impacted by this devastating storm,” said Lindsay Mathieson, regional disaster officer of the American Red Cross of Louisiana. “It is that generous support that allows us to provide much-needed comfort and care to help the people who need it most.”

Said Natalie Jayroe, Second Harvest Food Bank President and CEO, “This major support from State Farm will be critical to our response to this latest disaster impacting South Louisiana. Our deepest thanks go out to the entire State Farm team and their customers.”

The work continues

Recovering from a disaster like Hurricane Ida will take time. State Farm claims operations will continue the work of serving impacted policyholders in the weeks and months ahead. More than 98,000 total claims have been received so far for Hurricane Ida-related damage, and every one of those claims is a life changed by this storm.

Being a good neighbor is about more than just one moment or just one act. For State Farm, it means continuing the work until every last claim has been handled and finding ways to help our communities thrive. When the unexpected happens, State Farm is there to help policyholders and communities recover.

State Farm’s response to Hurricane Ida began before the storm made landfall. Thousands of State Farm agents and employees began to mobilize and prepare to respond to our customers’ needs prior to the storm’s arrival.

The State Farm response to Ida is both local and national. It includes State Farm agents who live and work in the same neighborhoods as our customers; teams of claim specialists trained in disaster response traveling in to evaluate damage on site; thousands of employees in centralized care centers across the country helping answer customers’ questions and file their claims; remote claim teams conducting virtual inspections with impacted customers; and many other resources, all helping customers in their time of need.

Delivering on the promise

In the immediate aftermath of the storm, State Farm began claim inspections in areas safe for entry, focusing on the most severe damage first where possible.

Agents and Customer Care Center employees have responded to thousands of customer calls, helping customers understand their coverage and how the claim process works, including aspects of coverage that come into play when damage is especially severe.

When storms such as Ida cause severe damage to homes, customers may be displaced. Additional Living Expense (ALE) coverage under a Homeowners or Renters policy is triggered when a covered loss causes the residence to become uninhabitable. ALE can cover some increased costs such as housing, meals, and mileage.

Some media reports are incorrectly suggesting ALE does not apply without a mandatory evacuation having been ordered. These reports are seemingly focused on one portion of our ALE coverage for affected policyholders: Prohibited Use. We are addressing the needs of displaced customers. State Farm is paying, and will pay, thousands of Prohibited Use and ALE claims to our policyholders following Hurricane Ida

For customers who have a loss covered under ALE due to the extent of damage to their home, that loss adjustment occurs regardless of the type of evacuation order in their neighborhood. Once a State Farm customer reports a claim to us, we will evaluate their damage. The process from there depends on many factors including the extent of damage and accessibility of the property. (We’re working with local authorities for access when it’s safe.)

We are here for all of our customers and are committed to pay what we owe. State Farm’s policies in Louisiana, the Northeast and other states, are filed with and approved by state insurance regulators in each state, respectively. State Farm honors the terms of the contract with our customers. Altering the terms of the contract for one event would be unfair to all those who have experienced loss from previous disasters.

Getting a boost from technology

In addition to on-site physical inspection of claims and the service provided by local agents, State Farm is making the most of technology to reach customers in more ways and make the process of resolving claims even faster and easier.

• Virtual claim handling allows customers to conduct real-time inspections of damage with remote claim teams through their smartphone cameras.
• Use of drones and aerial imagery allow State Farm to quickly assess damage and accessibility of storm-impacted areas, and to conduct roof inspections in a way that is safe, efficient and supports social distancing.
• Digital pay options allow for claim settlements to be direct-deposited into customers’ bank accounts, getting funds to customers more quickly, whether or not banks are open.
• Customers are encouraged to use the State Farm Mobile App and online account access for many self-service options such as filing and tracking claims, uploading documents during the claim process, requesting emergency roadside service, setting up a rental car reservation, and setting up digital pay. 
   

 
Crews work to assemble the Customer Care Site in Gonzales, LA

Bringing in-person service where it’s needed most

To provide convenient local service to customers, mobile Customer Care Sites are being set up in multiple locations near the hardest-hit areas of Louisiana. These sites allow customers to receive in-person support with claim handling and disbursement of payments.

Louisiana Customer Care Sites include:

1. Gonzales: 306 Louisiana 30 W, Gonzales, LA 70737 (map)
2. Houma: 6795 West Park Ave, Houma, LA 70364 (map)
3. New Orleans: 8282 I-10 Service Rd, New Orleans, LA 70126 (map)
4. Covington: 69348 Louisiana State Hwy 21, Covington, LA 70433 (map)

Northeast Customer Care Sites include:

1. Livingston, NJ: 112 Eisenhower Parkway, Livingston, NJ 07039 (map)
2. Horsham, PA: 200 Blair Mill Road, Horsham, PA 19044 (map)
3. Queens County, NY: Opening soon

To help agents in impacted areas better serve their customers, agency “command centers” are being set up to provide office space and phone/internet connection to agents who have themselves been impacted by damage from Ida.

Being good neighbors in the community

In addition to assisting our customers directly, State Farm is also helping overall recovery efforts with charitable grants to assist with immediate shelter, food, water, and clothing needs in Louisiana.

State Farm has issued eight Disaster Recovery Grants, for a total of $900,000, to help those impacted by Hurricane Ida:

Louisiana:

• $400,000 to support the local Red Cross chapter of Southeast Louisiana
• $150,000 to support Second Harvest Food Bank of Greater New Orleans
• $100,000 to support Northshore Community Foundation
• $100,000 to support The Catholic Charities Diocese of Houma – Thibodaux

Northeast:

• $50,000 to support American Red Cross New Jersey Region
• $50,000 to support American Red Cross Greater New York Region
• $25,000 to support American Red Cross Southeastern Philadelphia Region
• $25,000 to support the Philabundance organization

Along with these disaster grants, in the days following landfall, State Farm deployed its Customer Response Unit vehicles. These vans drive through impacted neighborhoods and hand out basic essentials to residents such as water, food, work gloves, flashlights, and first-aid kits. During their deployment for Ida, the CRUs have each covered more than 1,300 miles through 18 cities and eight parishes.

The response continues

The impact of Hurricane Ida continued after it moved on from the Gulf Coast, with effects reaching all the way into the northeast U.S., including intense flooding in New York, New Jersey, and Pennsylvania.

State Farm is the nation’s largest home and auto insurer, with the capacity to serve customers through multiple simultaneous disasters. Already, State Farm has received more than 72,000 claims related to the impact of Ida – more than 42,000 in Louisiana and more than 25,000 in the northeast. This is happening all while the same level of service is being provided to those suffering the effects of wildfires in the western U.S., and everywhere else severe weather is impacting State Farm customers.

The story of any major weather event is a long one. The process of recovering, rebuilding, and re-establishing a sense of “normal” can take weeks, months, or even years. State Farm is here to help our customers get through this difficult time.

“Doesn’t matter if it’s after a fire or a flood or whatever; when I’m talking to somebody, it’s usually because they’re having a pretty bad day,” said Jeff, State Farm^® claims adjuster.

“Pretty bad” turned out to be an understatement during a call last year. Jeff was in the middle of a virtual inspection. A customer’s roof leaked which caused some pretty significant damage to their West Virginia home. Using an app downloaded to the customer’s smart phone, Jeff was looking at pictures of the damaged area.

“We’re doing more and more of these types of inspections,” Jeff said. “It makes it easier for the customers to send in their info so we can process their claim, get them their money and help them recover quicker.”

Jeff was in the middle of the inspection when all of a sudden, he heard a loud crash. The customer had fallen down a flight of stairs, shattering her ankle.

“She’d dropped her phone and couldn’t reach it, but I could hear her yelling and screaming for help.”

Unfortunately, the only help available was Jeff, and he was hundreds of miles away at the other side of the state. “I didn’t really know what to do, but I knew I had to do something.”

“I kept yelling until I finally got her attention,” Jeff said. “I was trying to keep her calm and trying to keep her conscious.”

She couldn’t reach the phone to dial 911, so Jeff grabbed another phone and dialed for help.

After he got them on the line, Jeff acted as a go-between.

“They were asking things like ‘How far did she fall’ and ‘Can she move’ and ‘Is there any blood?” I kept relaying their questions and giving them her answers.”

When the ambulance arrived, the paramedics picked up the phone that was lying next to the customer on the ground, expecting to hear 911 on the other end.

“I told them, “No, I’m with State Farm; I’m her insurance adjustor.”

The customer was rushed to the hospital and once she arrived, one of the first things she did was write Jeff a heart-felt thank-you note:

Thank you so much for your help with calling 911 and staying on the phone. I dislocated my ankle and shattered many bones, I will need surgery. You were my angel 😇😇. You deserve an award for listening to me scream and crying.

“What an incredible Good Neighbor story this is,” said Jeff’s manager, Bill Lingenfelter. “We’re in the relationship and helping others-business, and this is what it’s all about!”

To put it in perspective, in 2019 State Farm received around 6,000 claims from named storms, totaling approximately $26 million. In 2020, claims filed neared 163,000 and exceeded $1.9 billion in cost.

Total Claims Paid | Home & Auto

1. Louisiana $1.3 billion
2. Alabama $165 million
3. Georgia $94 million
4. New York $64 million
5. Texas $45 million

Hurricanes cause destruction to homes, communities, and lives. It is important to plan and prepare best you can for hurricane season with an evacuation plan, updating insurance documents, and ready-to-go emergency kits.

• How to create a home inventory
• Preparing for a hurricane
• FAQs following a hurricane

With Digital Pay, State Farm customers will now have greater flexibility in how they receive approved and reviewed auto and fire claims payments. This technology will give State Farm the ability to digitally disperse qualifying claims payments. In turn, our customers will have the ability to choose a payment method that best suits their needs. State Farm began an incremental deployment of payout technology in February to test and tune the payment option.

Leveraging Fiserv technology, State Farm will be able to distribute reviewed and approved claim payments into customer accounts quickly and securely.

Some of the options and benefits of Digital Pay include:

• Increased speed of payment delivery
• Customer choice of payment delivery options
• Streamlined enrollment processes
• Simplified customer communications

“We believe this new capability will support our goal to personalize the customer experience and help more people in more ways,” said Schuyler Schupbach, Vice President of Property & Casualty Claims at State Farm. “As an industry leader, we are committed to ongoing transformation to meet the changing needs and expectations of customers including modernizing our technology. We are excited to introduce digital payment options through Fiserv that will simplify the claims payout process for our customers and provide added convenience.”

At Fiserv, digital payouts are part of the Carat omnichannel commerce ecosystem that securely delivers unlimited payment opportunities across the most popular channels and devices. Through simple API access, Fiserv enables clients like State Farm to easily access pre-integrated solutions – such as payouts – that allow businesses to imagine and realize new customer experiences.

“Carat is helping organizations like State Farm move money and information with the speed, flexibility, and convenience that today’s consumer demands, said Nandan Sheth, head of Carat and Digital Commerce at Fiserv. As businesses look to create positive new consumer experiences, the ability to pay out funds with the same speed and simplicity with which they are paid in can be a significant differentiator.”

In an age of fast-paced technology and the rise of FinTech firms, it is important for insurers and financial institutions to continuously invest, innovate, and evolve. State Farm is a proven innovator and continually encourages change inside and outside the industry. We’re the right company to find solutions for a future inspired by our customers, employees and the communities we serve. We are prepared for today and are always looking into the future.

In 2020, State Farm paid nearly $157 million dollars for over 3,185 dog-related injury claims. The highest month for number of claims and amount paid for those claims was March, at the start of the COVID-19 lockdown. Experts fear another disruption—this time cause by the easing of restrictions for activities outside the home—could lead to a spike in dog bite incidents.

National Dog Bite Prevention Week® is April 11-17, 2021. The National Dog Bite Prevention Coalition - State Farm, American Veterinary Medical Association (AVMA), Insurance Information Institute (Triple I), American Humane, and dog behavior expert Victoria Stilwell are urging people to take steps to prevent a surge in dog bites as the weather warms, lockdowns ease, and life returns to normal.

As pet owners return to the work place or school, pets will be left home alone. Behavioral issues such as separation anxiety could result in aggressive and destructive behavior. This could be a particular problem for dogs adopted during the pandemic. Many shelters and rescues experienced an increase in pet adoptions and fostering. People were home, feeling lonely, and had time for a new dog. Unfortunately, many of these adopted or fostered dogs have gotten the impression that normal life is quarantine life. Now is the time to get your dog ready for the transition to post-pandemic life.

DOGTV promotional offer

DOGTV is a streaming channel created for dogs to help relax and entertain them when home alone or in anxious situations. To enroll in a free 30-day trial, visit www.dogtv.com and use the code CALMDOG. View the video above to learn more.

Tips for successful dog interactions

Just like humans, dogs are individuals, and every dog has a unique personality. State Farm does not refuse insurance based on the breed of dog someone owns. While a dogs’ breed may dictate how they look, how a dog reacts in a situation isn’t guaranteed by breed or type. It’s important to remember that even well-trained dogs can bite if they are put into the wrong situation.

• Make sure your pet is healthy. Not all illnesses and injuries are obvious, and dogs are more likely to bite if they are sick or in pain. If you don’t have a pet medical insurance policy in place to cover illness or injury, talk to your State Farm agent or go online to learn how a Trupanion policy can help with medical expenses.
• If your dog has only been interacting with your family this past year, don’t rush out into crowded areas or dog parks. Try to expose your dogs to new situations slowly and for short periods of time, arrange for low-stress interactions, and give plenty of praise and rewards for good behavior.
• Gradually start arranging play dates with other dogs and people as allowed, and carefully increase the amounts of time and freedom together. This will help your dog get used to being with other canine companions again.
• Be responsible about approaching other people’s pets. Ask permission from the owner before approaching a dog, and look for signs that the dog wants to interact with you.

Upcoming dog bite prevention webinars - Click images to view details:

Total Hail Claims Paid | Home & Auto

1. Texas $474.6M
2. Illinois $394.2M
3. Minnesota $259.2M
4. Missouri $236.9M
5. Colorado $207.9M

Hail can damage roofs, gutters, and windows while denting vehicles and cracking windshields. The average homeowner claim totaled nearly $12,000 and vehicle claims averaged more than $4,300, according to State Farm 2020 hail claims data.

Preparing for 2021

Extreme weather has already brought threats to parts of the country this year, but the threats are not over. Hail generally peaks during spring and summer but can occur any time of year.

What you can do now to prepare will help you weather the storm. Here are some steps to protect your property and family:

• Review insurance coverage: Ask your State Farm agent what-if questions in an insurance review.
• Know the claims process: Should your property be damaged, become familiar with the claims process now
• Be weather aware: Stay connected to forecasts when severe weather threatens.
• Update home inventory: Take pictures and video of your property for a detailed digital record
• Preparation: If there’s time and it’s safe, put vehicles in the garage and move patio furniture under cover. Close your blinds and curtains to prevent broken glass from blowing inside, possibly causing injuries or damage.

Filing a Claim

As with any storm, nature is unpredictable and experiencing damage can be draining.

Document your damage with pictures. If you need to, make temporary repairs to prevent more damage. Take pictures and save the receipts related to the temporary repairs.

• First Steps:
  • Tell us what happened
  • We’ll review your claim and policy to determine what is covered
  • You don’t have to be an insurance expert; we’ll tell you what happens next
  • We'll arrange payment - less your deductible – for covered losses.
  • After you file your claim, you can set up your payment and communication preferences.

While balancing health and safety with our commitment to customers, we continue to innovate and leverage technology by offering virtual claim handling.

Recovery and Rebuilding

If you do have to make repairs, consider improved building materials, including an impact resistant roof, which could qualify for insurance premium discounts.

With over 360 active fires across California and elsewhere, State Farm® is committed to the people and communities we serve. As acres continue to burn, evacuate if ordered to do so or if risk appears imminent. 

Customers impacted by wildfires can visit st8.fm/claim or call 1-800-SFCLAIM to file a claim.

Your agent can also help and give you more time to pay your premium if needed.

Visit CalFire for Information and Resources

Part of a mandatory evacuation?

• Safety first:  Material things can be replaced but the loss of life or serious injury can’t be fixed.
• Stay tuned:  Follow news reports and information from first responders.
• Keep living expenses receipts:  They may be reimbursable after meeting your deductible.
• What to expect from the claims process:  We will work with you closely to resolve your claim.

Steps to take now before your home is threatened

• Know Your Evacuation Plan:  Create it, discuss it and include where to go/reunite, who to call, etc.
• Make a home inventory:  Take pictures and video to document your personal possessions, because proof of ownership can make your claim settlement easier and faster. A quick video of each room can help later on.
• Back up your information:  Back up vital photos, documents and financial information.
• Create an evacuation package:  Put original vital documents and irreplaceable items (paper photos, family heirlooms, etc.) in one place so it is ready to go.
• Talk to your agent:  Discuss your coverage needs, understand your deductible and the difference between the current market value of a property and its replacement cost.

When it is safe to do so, file a claim.

• Contact us to get the process started - contact your agent, call 1-800-SF-Claim, go to st8.fm/claim or use our mobile application.

Face-to-Face protocols, adjustments and staffing during COVID-19

• First and foremost, we are committed to the health and safety of our customers, the communities where we live and work, and our claim employees.
• Our claim operations remain open and available to service your claims. We are monitoring this changing health issue and continually evaluating our response.
• Virtual claim inspection options are available in most states if legally permitted.
• Claims can always be submitted and managed by calling or emailing your State Farm agent, calling 1-800-SFCLAIM, submitting a claim through our mobile app or through our website at statefarm.com/claims.
• Continuous innovation and adaptation have positioned State Farm as the insurance industry leader. The pandemic is a rapidly changing situation and the decisions we are making balance health concerns with our obligation to continue to serve you.

Resources:

• Wildfire Preparation Infographic
• Cal Fire
• www.nfpa.org
• National Interagency Fire Center
• NFPA Firewise
• Creating a Home Inventory
• Insurance Information Institute: Road to Recovery: 3 Key Steps to Simplify Filing Wildfire Damage Claims

Visit Simple Insights for more articles and tips to help you and your family prepare for and recover from wildfires.

Subrogation is typically the last phase of an insurance claims process, when one insurance company recovers claim costs it paid to its customer for damages from the at-fault party’s insurance company, which includes its customer’s deductible.

“Today, subrogation is a relatively manual, time-consuming process often requiring physical checks to be mailed on a claim-by-claim basis between insurers,” says Mike Fields, Innovation Executive, State Farm. “In 2018 alone, the total amount of dollars demanded and issued through the subrogation process was over $9.6 Billion for all insurance carriers. You can imagine the time and resources required to complete these transactions.”

Companies across many industries are using blockchain technology to securely store data and manage transactions. USAA and State Farm are testing how blockchain can be used to gain efficiencies in the subrogation process by securely and automatically compiling all subrogation payment amounts, netting the balance, and facilitating a single payment on a regular basis between insurers.

“The blockchain solution we are working on has many potential benefits,” says Ramon Lopez, Vice President, Innovation, USAA. “It helps us automate a manual process securely and creates a permanent transaction record of each payment which can easily be verified for accuracy. It also has the potential to decrease the amount of time for consumers to receive their deductible reimbursement.”

The blockchain subrogation solution is the first of its kind between two major leaders in the insurance industry. The companies began working together in early 2018 and plan to continue testing to determine if the blockchain solution can be a viable product for industry adoption.

What is Blockchain?

Blockchain is a distributed ledger technology that can be used to manage transactions and store information using cryptography (i.e., mathematical algorithms and secret keys that encrypt data), peer-to-peer networking and data storage. This type of digital technology can create value for customers in ways that they wouldn’t expect from their insurance company. Subrogation is one example of where blockchain technology has the potential to reduce expenses while making processes more efficient and secure.

What is Subrogation?

Subrogation describes the right held by most insurance carriers to legally pursue a third party that caused a loss to an insured. Information about the claim is collected and the two insurance companies negotiate the claim amount. If an agreement is reached, the at-fault insurer submits payment to the other insurer on an individual claim basis. Insurance companies only share claim numbers and dollar amounts for subrogation purposes. No sensitive personal information is shared.

In the News:

• Forbes (7/18/19) State Farm And USAA See Stark Increase In Efficiency When Testing Blockchain Subrogation

• Digital Insurance (4/29/19) Inside State Farm's blockchain journey

• Forbes (4/16/19) Block Chain 50: Billion Dollar Babies

As State Farm launched their new drone program to better assist customers after storm damage, they needed to recruit and train employees to become drone pilots. And they wanted the best of the best.

To the surprise of no one, Jessica Hodge, Joy Hillsman-Caffie and Shelley Cole rose to the top of the list. They are three of the six drone pilots for State Farm who are women.

The news of her selection came as a shock to Jessica, an eight-year State Farm claims specialist.

When I found out, I was excited and up for the challenge,” shared Jessica. “I consider myself an early adopter of the technology. State Farm is one of the first insurance companies to use drones and I’m one of the first drone pilots for State Farm. It’s cool to be on the cutting edge.”

Shelley had worked in Claims for just shy of 30 years when she was tapped on the shoulder to join the elite team. She was enthusiastic about the new adventure.

“It’s been quite the experience. It makes me feel like I’m really leading the way for other women,” Shelley said. “It also gave me a bit of an upper hand. As a female catastrophe claims specialist (which is a male dominated role), working with contractors (which is a male dominated job), being a drone pilot gave me a different level of respect.”

Joy is one of the lucky people in the world whose hobby became a career. After she heard about the drone program, she decided she wanted in. Recently introduced to drones herself, the 13-year employee made a few phone calls and advocated for herself. She officially passed her license test in the fall of 2017.

“Having to fight for something you want makes it sweeter. It’s also very cool being one of the women drone pilots at State Farm,” shared Joy. “We are really at the forefront of the industry and it’s great to be a part of that.”

Even better, her son who loves all things tech, thinks she’s pretty cool, too. “He says I’m one of his super heroes.”

Together they are defying statistics and helping customers recover from the unexpected.

As State Farm launched their new drone program to better assist customers after storm damage, they needed to recruit and train employees to become drone pilots. And they wanted the best of the best.

To the surprise of no one, Jessica Hodge, Joy Hillsman-Caffie and Shelley Cole rose to the top of the list. They are three of the six drone pilots for State Farm who are women.

The news of her selection came as a shock to Jessica, an eight-year State Farm claims specialist.

When I found out, I was excited and up for the challenge,” shared Jessica. “I consider myself an early adopter of the technology. State Farm is one of the first insurance companies to use drones and I’m one of the first drone pilots for State Farm. It’s cool to be on the cutting edge.”

Shelley had worked in Claims for just shy of 30 years when she was tapped on the shoulder to join the elite team. She was enthusiastic about the new adventure.

“It’s been quite the experience. It makes me feel like I’m really leading the way for other women,” Shelley said. “It also gave me a bit of an upper hand. As a female catastrophe claims specialist (which is a male dominated role), working with contractors (which is a male dominated job), being a drone pilot gave me a different level of respect.”

Joy is one of the lucky people in the world whose hobby became a career. After she heard about the drone program, she decided she wanted in. Recently introduced to drones herself, the 13-year employee made a few phone calls and advocated for herself. She officially passed her license test in the fall of 2017.

“Having to fight for something you want makes it sweeter. It’s also very cool being one of the women drone pilots at State Farm,” shared Joy. “We are really at the forefront of the industry and it’s great to be a part of that.”

Even better, her son who loves all things tech, thinks she’s pretty cool, too. “He says I’m one of his super heroes.”

Together they are defying statistics and helping customers recover from the unexpected.

“Today, subrogation is a relatively manual, time-consuming process often requiring physical checks to be mailed on a claim-by-claim basis between insurers,” says Mike Fields, innovation executive, State Farm. “You can imagine the time and resources required to complete these transactions.”

Companies across many industries are using blockchain technology to securely store data and manage transactions. State Farm is working with another insurer to understand how an enterprise blockchain solution can be used to reduce the time needed to complete the subrogation process by securely and automatically compiling all subrogation payment amounts, netting the balance and facilitating a single payment on a regular basis between insurers.

Benefits

“The blockchain solution we are working on has many potential benefits,” says Fields. “It helps us automate a manual process securely and creates a permanent transaction record of each payment which can easily be verified for accuracy. It also has the potential to decrease the amount of time for consumers to receive their deductible reimbursement.”

Subrogation is typically the last part of an insurance claims process where one insurance company recovers claim costs it paid to its customer for damages from the at-fault party.

What is Blockchain

Blockchain technology can be used to manage transactions and store information using cryptography (i.e., mathematical algorithms and secret keys that encrypt data), peer-to-peer networking and data storage. Subrogation is one example of where blockchain technology has the potential to reduce expenses while making processes more efficient and secure.

What is Subrogation?

Subrogation is a term describing a legal right held by most insurance carriers to legally pursue a third party that caused an insurance loss to the insured. In auto claims subrogation for example, information about the claim is collected and the two insurance companies negotiate the claim amount. If an agreement is reached, the at-fault insurer submits payment to the other insurer on an individual claim basis. No sensitive personal information is shared between the two companies.

If weather conditions are likely to produce hail you can take steps around the home like moving cars, boats, RVs, lawn and patio furniture into a covered area.

Personal safety is a number one priority and if you are indoors when a hailstorm hits, stay there. Hail can shatter windows so close drapes, blinds or window shades in an attempt to reduce the amount of broken glass that might blow inside. Stay away from skylights and doors.