What are my first steps if I have damage?

What can you expect after initially filing a claim?

Does my homeowner's policy cover hurricane damage?

What type of things are not covered by the typical homeowner's policy during a hurricane?

How do you determine what damages my home from the hurricane: flood vs. wind?

What is my hurricane deductible?

How is the hurricane deductible calculated?

Am I covered for tree debris removal?

What else do I need to know about removing downed trees from my property?

Who is going to help me with my claim?

Who clears my property?

Who pays for my living expenses?

How do I replace everything I have lost?

How do I complete a personal contents inventory of my damaged property?

How long does coverage last for a typical insurance policy?

Does State Farm have the resources to pay all of these claims?

Will rates go up for my homeowners insurance?

What if I experience multiple storms in one season?

What are my first steps if I have damage?

• When it is safe to do so, make (or have a contractor make) temporary repairs to prevent further damage to your home or property.
• Save receipts if you purchase items such as tarps, plywood or other supplies to make repairs.
• Take photos/videos of damage for claim documentation.
• To get the claims process started, you can file your claim online, call 1-800-SFCLAIM (800-732-5246) or contact your State Farm agent.

[TOP]

What can you expect after initially filing a claim?

• After a claim has been filed, a State Farm claims specialist will contact you to discuss the extent of damage and review your policy coverages.
• The complexity and collaboration needed to investigate a claim can sometimes take time, and is necessary for a proper evaluation of your claim.
• If at any time during the claims process, you have questions, do not hesitate to ask your claims specialist. We know this can be a difficult and confusing time. We are here to help you 24 hours a day, seven days a week.

[TOP]

Does my homeowner’s policy cover hurricane damage?

• Unless the damage is excluded in the policy, a typical homeowners policy provides coverage for accidental direct physical loss to your dwelling and may also provide coverage for personal property damage from a hurricane. Flood damage is not covered.

[TOP]

What type of things are not covered by the typical homeowners policy during a hurricane?

• Flooding is not covered under homeowners policies. It is a separate coverage that can be purchased through the federal government’s National Flood Insurance Program. State Farm agents enrolled in the NFIP Direct Program are able to write and service flood insurance coverage directly through the federal government program. Homeowners who have flood coverage and have experienced flood damage should report their claim to their flood insurance carrier so that damages can be assessed. To contact NFIP: 1-888-379-9531. 
• Backup Sewer and Drain: If you have water damage, contact your agent for guidance. Damage from water that enters a home through a sewer, drain, or sump pump is excluded from a homeowners’ policy but coverage may be added to your policy for an additional premium. Homeowners should contact their agent for more information.

[TOP]

How do you determine what damages my home from the hurricane: flood vs wind?

• Policyholders are always encouraged to file a claim should they think they have damage from the hurricane. Coverage and any possible exclusions are then determined during the claims process.

[TOP]

 What is my hurricane Deductible?

• The insurance industry uses hurricane deductibles to account for increased exposure in areas prone to major storm events such as hurricanes.
• State Farm applies hurricane deductibles when a named storm has been declared by the National Weather Service (NWS).
• We encourage State Farm policyholders to review their insurance policy language for the specific provisions related to hurricane deductibles and contact their State Farm agent if they have questions.
• When does the hurricane deductible apply? Each state differs on when the hurricane deductible will apply. Generally, it will apply when a named storm has been declared by the National Weather Service (NWS). Other conditions apply and are outlined in the policy.

[TOP]

How is the hurricane deductible calculated?

• Hurricane deductibles vary. If a policy includes one, State Farm policyholders can find it in their policy documents, or they can contact their State Farm agent.

[TOP]

Am I covered for tree debris removal?

• If a windstorm causes a tree to fall but it does not damage your covered real property (such as your house, fence, carport or garage), the homeowners policy does not cover tree debris removal.
• If a windstorm causes a tree to fall and it damages your covered real property, then coverage is provided to remove the tree from the house, fence, carport or garage to perform repairs to that property. State Farm will also provide up to $1,000 to remove the tree debris from the residence premises. 

[TOP]

What else do I need to know about removing downed trees from my property?

• When hiring a tree removal company you should make sure they are licensed and bonded.
• Also make sure tarping (if appropriate) is included in their work (or another contractor) so that once the tree is removed from the structure, additional damage does not occur through an open/exposed roof. Water mitigation/removal is the next step to reduce the damage caused by water that may have entered your house through the exposed areas.
• Before signing any contracts, talk with your State Farm claim specialist for guidance following a loss.

[TOP]

Who is going to help me with my claim?

• The State Farm team is here to help. Our claims operation includes a dedicated, mobile workforce, specially trained to handle catastrophe claims. These teams are prepared to go anywhere in the country within hours of being notified. They provide claim service, 24 hours a day and 365 days a year.

[TOP]

Who clears my property?

• State Farm homeowners insurance may provide coverage, subject to policy terms and limits, to remove debris from the residence premises. The responsibility to hire someone to clear your land rests with you. We recommend you contact your claim specialist, as they will be able to determine if coverage applies and how much State Farm will pay. Make sure any removal company is licensed and bonded.

[TOP]

Who pays for my living expenses?

• If covered damage is so extensive that your residence is uninhabitable, then Additional Living Expenses (ALE) may be available. Generally, ALE reimburses you for increased living expenses you incur as a result of your home being uninhabitable and is subject to the deductible and the terms and conditions of the policy. ALE is available to you while your home is uninhabitable and being repaired, replaced or up to 24 months, whichever is shorter, and as otherwise indicated in your specific policy.

[TOP]

How do I replace everything I have lost?

• For personal contents (the Coverage B portion of your policy), typically, you are initially paid actual cash value (replacement cost minus depreciation). Then, when you actually replace the damaged personal contents, you will receive the difference as a replacement cost benefit. This assumes the replacements occur within the designated time frame of the contract.

[TOP]

How do I complete a personal contents inventory of my damaged property?

• Your claim specialist is available to assist customers with completing the inventory. Customers who do not need a face-to-face meeting can provide their inventory to their claim handler for processing or submit them electronically directly to their claim file 24/7.
• Customers do not have to wait until their entire inventory is completed to submit to their claim. We encourage submitting inventories by rooms to make it easier for our customers to compile.
• State Farm recommends grouping items of similar quality/price/age: For Example: clothing-jeans-20 pair/shirts-30/etc, cleaning supplies, over-the-counter medication/kitchen utensils as this can help expedite the process. Unusual, specialty or high cost items should be listed individually.
• Again, if you need any assistance with the contents inventory process, all you have to do is ask your claim specialist for help.

[TOP]

How long does coverage last for a typical insurance policy?  

• An insurance policy is a contract. You pay for coverage for a specified amount of time defined as the policy period (for example six months or a year). The contract protects you for that specified amount of time and for losses you incur under that contract.

• Coverage is not cumulative year to year, meaning your premiums do not add up like a savings account to be used when there is a claim.

[TOP]

Does State Farm have the resources to pay all of these claims?

• Disasters like these are a reminder that our business is highly volatile. Despite that volatility, our long history of financial strength is what allows us to keep the commitments we have made to our customers, helping to remove some of the uncertainty from their lives during times of loss.

• We have faced countless significant weather and other major disasters over our 95-year history, and we stand ready for more as we help people manage the risks of everyday life, recover from the unexpected, and realize their dreams.

[TOP]

Will rates go up for my homeowners insurance?

• Rates are determined based on our anticipated need to pay future claims, not to make up for past losses. It is important to note many factors are considered when underwriting and pricing a homeowners insurance policy because each customer’s circumstances are unique.
• We encourage all of our customers to have a conversation with their agent to make sure they are comfortable with the appropriate coverage for their unique situations, including reviewing discounts available to them that could decrease their premiums.

[TOP]

What if I experience multiple storms in one season?

• Each policy is different and the circumstances around each claim are unique. We encourage customers to speak to their agent about their specific situation and how their deductible would apply.

[TOP]

When will customers receive their dividend credit?

Does an insured have to be with State Farm on March 20 to receive the credit?

What type of policies will receive the credit?

Do customers need to do anything to receive their dividend credit?

How much dividend credit will customers get?

How is each customer’s dividend amount determined?

Can customers get a check instead of a credit?

What is the total dividend amount and how was it determined?

Who can customers talk with about payment options for accounts?

Besides the dividend credit, what are other ways I can save on my auto insurance bill?

Does the return of this dividend increase the likelihood State Farm Mutual rates will be increased in the near future?

Besides the dividend credit, what are other ways customers can save on their auto insurance bill?

Do customers have to renew their policy in order to obtain the credit?

Who will receive a dividend?

• Every Mutual Auto policyholder with an auto insurance policy in-force between March 20 and May 31, 2020, will receive a dividend. Customers with a Personal Lines Auto, Motorcycle, RV, Business Use Personal Auto, Commercial Auto, School Bus and/or Antique/Classic policy will receive the dividend as a premium credit to their policy.

[TOP]

When will customers receive their dividend credit?

• We anticipate State Farm Payment Plan (SFPP) customers will receive the credit beginning as early as June but most will see the credit applied to their July bill. Customers not enrolled in the State Farm Payment Plan (SFPP) should see the credit applied at their next renewal. We are crediting customers’ bills at the earliest opportunity after the credit period of March 20 – May 31. Depending on the date of a customer’s renewal, the next bill for some customers may not be until late 2020 or early 2021. By providing this in the form of a credit, we’re able to reduce the amount a customer will need to pay on their next bill in the most efficient and cost-effective way which benefits all customers.

• For customers with specific questions, we encourage you to reach out to your agent. They’re working with customers one-on-one to explain your bill and provide payment options.

[TOP]

Does an insured have to be with State Farm on March 20 to receive the credit? 

• No, as long as they are a State Farm Mutual policyholder at some point in time between March 20 and May 31, they will receive the credit.
• New customers to State Farm will receive this credit for the period of time they are insured with us during this date range.

[TOP]

What type of policies will receive the credit?

• Customers with a Personal Lines Auto, Motorcycle, RV, Business Use Personal Auto, Commercial Auto, School Bus and/or Antique/Classic policy will receive the dividend.

[TOP]

Do customers need to do anything to receive their dividend credit?

• No. Credits will be applied automatically.
• State Farm is not contacting customers requesting financial account or credit card information in order to receive a dividend or a credit. If you receive this type of call, do not provide any personal information. This type of phone scam and other scams are on the rise. Learn how to report suspicious calls and tips for helping protect your information.

[TOP]

How much dividend credit will customers get?

• Customers can expect to receive a dividend on average of 25 percent of premiums owed during the period March 20 and May 31. This amount will vary from one customer to the next. This works out to about $20 per month for each vehicle insured.

[TOP]

How is each customer’s dividend amount determined?

• The amount received by each policyholder is a percentage of that policyholder’s premium owed for the period between March 20 and May 31.

[TOP]

Can customers get a check instead of a credit?

• No. The intent is to provide the dividend in the most cost-efficient manner - applied as a premium credit to outstanding or upcoming bills.

[TOP]

What is the total dividend amount and how was it determined?

• Up to $2 billion is appropriate based on the claim and driving behaviors during the COVID-19 period. It positions the Company to maintain its financial strength while continuing to serve customers and deliver on the promises we make to be there when the unexpected happens.
• The amount was determined by indications of lower loss costs due to less driving in this time. State Farm Mutual, as a mutual company focused solely on serving customers, was able to provide this dividend.

[TOP]

Who can customers talk with about payment options for accounts?

• Customers can talk with their State Farm agent. State Farm agents are working with customers one-on-one to provide payment options. Customers do not need to take any action to receive the dividend.

[TOP]

Does State Farm have the resources to offer this dividend credit?

• We have the financial strength necessary to help millions of customers recover from the unexpected. We made this decision to provide customers short-term solutions while maintaining our ability to remain financially strong for our customers to keep our promises now and in the future.

[TOP]

Does the return of this dividend increase the likelihood that the State Farm Mutual rates will be increased in the near future?

• No. Future rates are based on expected future costs. The dividend will have no impact on future rates.

Besides the dividend credit, what are other ways customers can save on their auto insurance bill?

• Customers can talk with their State Farm agent about other ways to save. For example, our Drive Safe & Save® program puts customers in control of their discount. How customers drive determines how much they save – up to 30% or more, and they’ll save just by signing up.

[TOP]

Do customers have to renew their policy in order to obtain the credit?

• No. Any customer with an in-force policy between March 20 and May 31 will receive a premium credit.

[TOP]

Saving for the Future¹

Saving money helps you achieve your goals. Establish a budget, manage debt and plan for  st8.fm/3steps

Save for the future by learning about basic savings accounts, retirement accounts, and how to make compounding interest work for you. Use this calculator to help determine how much you should consider saving to meet your financial goals.

Health Insurance

Are you happy with your current health plan? Health status, premiums, deductibles, and even regulations may change over time. Be sure your health care coverage meets your needs. Take steps to reduce premiums with wellness discounts that may be available to you. And if you're on Medicare, consider options for a Medicare Supplement that's right for you.

Life Protection

Life insurance is the foundation of financial planning and security. It helps your family recover from financial risks and unexpected costs and lets them plan for tomorrow.

Thinking about financial protection and retirement can seem overwhelming, but as your life changes, so does your financial situation. Key life events such as marriage, moving or buying a home, children, job changes and retirement are important indicators that signal changes that might need to be made.

Disability Insurance

Car insurance? Check. Home insurance? Check. But have you protected one of your most valuable assets? Your paycheck

Among Americans’ top financial concerns is maintaining one’s standard of living in the event of a serious illness or accident. Disability insurance may help address this concern.

Liability Insurance

Safeguard yourself in case an accident results in injuries to someone or a loss to their property. It's possible that your primary policies may not be enough to protect you or your business. A  State Farm liability insurance policy may provide the additional liability coverage you need  to protect your financial future.

¹ State Farm Bank, F.S.B., Bloomington, Illinois (“Bank”), is a Member FDIC and Equal Housing Lender. NMLS ID 139716. The other products offered by affiliate companies of State Farm Bank are not FDIC insured, not a State Farm Bank obligation or guaranteed by State Farm Bank, and may be subject to investment risk, including possible loss of principal invested. The Bank encourages any interested individual(s) to submit an application for any product(s) offered by the Bank. We also encourage you to obtain information regarding the Bank’s underwriting standards for each type of credit or service offered by visiting statefarm.com® or by contacting the Bank at 877-SF4-BANK (877-734-2265). If you are deaf, hard of hearing, or do not use your voice to communicate, you may contact us via 711 or other relay services.

Product availability may vary by state. Please contact an agent for more information.

Who is going to help me with my claim?

Does State Farm homeowners insurance provide coverage for debris removal?

Who pays for my living expenses?

How do I replace everything I have lost?

How do I complete a personal contents inventory?

Do I get an advance on my personal contents so I can begin replacing items?

What do I need to do to get 100 percent of contents coverage?

Do I have enough insurance to cover the value of my home?

How can I figure out the replacement cost of my home?

How long does coverage last for a typical insurance policy?

Does State Farm have the resources to pay all of these claims?

Will my insurance policy be non-renewed?

Will rates go up for my homeowners insurance?

I have heard the term "subrogation". What does it mean and how does it affect me as a State Farm customer?

Can State Farm extend my Additional Living Expense coverage benefit beyond the 24 months contractual limit?

The media has reported on the affordability and availability of homeowners insurance in California. Can I find homeowners insurance in California and is it affordable?

What are my first steps?

• After a claim has been filed, a State Farm claims handler will contact you to discuss the extent of damage and review what is covered under your policy.
• The complexity and collaboration that is needed to make sure we get you back on your feet can sometimes take time and is necessary to make sure we do right by you, our customer.
• If at any time during the claims process, you have questions, do not hesitate to ask your claims handler. We know this can be a difficult and confusing time. We are here to help you 24 hours a day, 7 days a week.

[TOP]

Who is going to help me with my claim?

• It will take time but State Farm is here to support you from the beginning until the very end.
• The claims process can be complex and it is often necessary to involve multiple claim handlers. This approach to enhanced customer service allows State Farm to provide quality and efficient claim service, 24 hours a day and 365 days a year. Our customers should have confidence that State Farm will bring the necessary people resources to handle our customers’ claims.
• State Farm has catastrophe claim teams in the area helping all of our customers recover from this unexpected tragedy. Our claims operation includes a dedicated, mobile workforce, specially trained to handle catastrophe claims and prepared to go anywhere in the country within hours of being notified. Prior to handling California claims, they were thoroughly trained on the specific requirements of California law.

[TOP]

Does State Farm homeowners insurance provide coverage for debris removal?

• State Farm homeowners insurance may provide coverage, subject to policy terms and limits, to remove debris from the residence premises. We recommend you contact your claim handler, as they will be able to determine if coverage applies and how much State Farm will pay.

• The choice of who to hire to remove debris from your property is yours. Make sure any removal company is licensed and bonded. Some cities, counties or governmental agencies may offer debris removal in exchange for an agreement that you pay all the money your insurance company pays you for this service.

• State Farm does NOT negotiate debris removal expenses with the county, vendor, or any other entity. It is understood that the county, vendor or other entity is hired by you, our insured, and that they work for you – not State Farm.

• If you receive invoices, estimates or other documentation for debris removal, contact your claim handler.

• Your claim handler is available to assist you with any questions you may have and help facilitate the process with you and the other party.

[TOP]

Who pays for my living expenses?

• If damage is so extensive that your residence is uninhabitable, then Additional Living Expenses (ALE) may be available. Generally, ALE reimburses you for increased living expenses you incur as a result of your home being uninhabitable and is subject to deductible and the terms and conditions of the policy. ALE is available to you while your home is being repaired, replaced or up to 24 months*, whichever is shorter.
  • With a recent change in California law, losses arising from a declared disaster occurring after September 21^st 2018, Additional Living Expense (ALE) is available for no less than 24 months and may be extended to 36 months for good cause. Additional 6 months extensions may also be granted for good cause. For the 2017 wildfires that occurred in California (e.g. North Bay Tubbs Fire) State Farm's contract provides ALE coverage for up to 24 months.

[TOP]

How do I replace everything I have lost?

• California law (Insurance Code Section 2071) requires homeowner’s insurers to document customer’s losses and specifically requires an itemized listing of damaged and destroyed property and the value of those items. State Farm’s contract complies with this provision and seeks a listing of all damaged and destroyed property so that an insured is paid for items that were actually lost.

• The requirement to complete an inventory of personal contents has been a part of the California insurance code for quite some time. It ensures that each amount paid to a customer after a loss complies with the terms and conditions of their policy contract.

• For personal contents (the Coverage B portion of your policy), typically, you are paid actual cash value upfront. Then, when you actually replace the damaged personal contents, you will receive the difference as a replacement cost benefit. This assumes the replacements occur within the designated time frame of the contract (up to 24 months)**.

  • ** With a recent change in California law, losses arising from a declared disaster homeowners have up to three years, from the first substantial personal property payment, to replace items per Department of Insurance requirements. This law was effective 09/21/2018. For the 2017 wildfires that occurred in California (e.g. North Bay Tubbs Fire) State Farm's contract allows for items to be replaced up to 2 years from the date of loss

• State Farm regularly reminds customers about the importance of completing a personal contents inventory before disaster strikes. The reason why we emphasize this is we want to pay what we owe and an inventory is a tool for customers to make sure they get the full benefits allowed to them within their policy contract.

[TOP]

How do I complete a personal contents inventory?

• Claim resources are available to provide a personalized experience with the customers by offering a face-to-face meeting with the customers to assist them with completing their inventory. Customers who do not need a face-to-face meeting can provide their inventory to their claim handler for processing or submit them electronically directly to their claim file 24/7.
• Customers do not have to wait until their entire inventory is completed to submit to their claim. We encourage submitting inventories by rooms to make it easier for our customers to compile.
• Contrary to the myth that State Farm requires accounting for every single spoon and pencil, State Farm recommends grouping items of similar quality/price/age: For Example: clothing-jeans-20 pair/shirts-30/etc, cleaning supplies, food, over the counter medication/kitchen utensils as this can help expedite the process.
• Again, if you need any assistance with the contents inventory process, all you have to do is ask your claim representative for in-person support. We will be there for you for this and all other aspects of your claim.

[TOP]

Do I get an advance on my personal contents so I can begin replacing items?

• State Farm provides advances to address the immediate needs of our customers.
• The advances are designed to provide you flexibility to begin the recovery process.
• Generally, customers are initially offered the same percentage of an advance based on the circumstances of the event.
• In some cases, advance amounts are increased based on the individual needs/circumstances of the loss.
• We are committed to provide every benefit you are entitled to within the policy contract. This includes payment for items you have lost, up to the policy limits.
• We have Customer Care representatives that are committed to personalizing your claim experience and supporting you throughout the claim process.

[TOP]

What do I need to do to get 100 percent of contents coverage?

• State Farm is available to support you in completing the contents inventory process.
• We are committed to provide every benefit you are entitled to within the policy contract. This includes payment for items you have lost, up to the policy limits.
• For personal contents (the Coverage B portion of your policy), typically, you are paid actual cash value upfront. Then, when you actually replace the damaged personal contents, you will receive the difference as a replacement cost benefit. This assumes the replacements occur within the designated time frame of the contract (up to 24 months)**.
  • ** With a recent change in California law, losses arising from a declared disaster homeowners have up to three years, from the first substantial personal property payment, to replace items per Department of Insurance requirements. This law was effective 09/21/2018. For the 2017 wildfires that occurred in California (e.g. North Bay Tubbs Fire) State Farm's contract allows for items to be replaced up to 2 years from the date of loss
• It’s critical to understand that insurance coverage is based on the principle of ‘indemnity’ – that is, the insurance contract only provides payment for items you have actually lost, up to the policy limits.
• We are prepared to provide in-person support to work through various aspects of your claim, in particular the contents inventory.

[TOP]

Do I have enough insurance to cover the value of my home?

• The tragic wildfires are an important reminder to meet with an agent at least annually to review policies and coverage.
• It’s critical to understand that market value​ is different than the replacement cost to rebuild your home. Market value is the amount a buyer would pay for a home, including the land, regardless of how much it would cost to rebuild the home. Replacement cost for this purpose is the rebuilding cost necessary to replace your entire home.
• We recommend that you purchase an amount of coverage at least equal to the estimated replacement cost. But the choice is yours. Since it is impossible to predict today what the exact cost will be to replace your home in the future, it's important to have enough coverage to account for unforeseen circumstances.

[TOP]

How can I figure out the replacement cost of my home?

• The amount of insurance coverage selected is up to the customer.
• Ask if a replacement cost estimate is available when you have the home appraised or consult with your local builders association or a reputable builder for an estimate.
• Building contractors or professional replacement cost appraisers are a good source for obtaining an estimated replacement cost of your home. Estimates from these sources should reflect your home's features. When you upgrade or improve your home, you may increase your home's estimated replacement cost.
• Be sure to inform your agent about any changes to your home that may impact your insurance coverage needs.
• Replacement cost estimates are influenced by supply of labor, demand for labor, and the cost of construction materials. Keeping up with the current market conditions in your area and changing your home insurance coverage amount accordingly, will help you maintain coverage at least equal to 100 percent of the estimated replacement cost coverage for your home.

[TOP]

How long does coverage last for a typical insurance policy?  

• An insurance policy is a contract. You pay for coverage for a specified amount of time defined as the policy period (for example six months or a year). The contract protects you for that specified amount of time and for losses you incur under that contract.
• Coverage is not cumulative year to year, meaning your premiums do not add up like a savings account to be used when there is a claim.

[TOP]

Does State Farm have the resources to pay all of these claims?

• Disasters like these are a reminder that our business is highly volatile. Despite that volatility, our long history of financial strength is what allows us to keep the commitments we have made to our customers, helping to remove some of the uncertainty from their lives during times of significant loss.
• We have faced countless significant weather and other major disasters over our 97-year history, and we stand ready for countless more as we help people manage the risks of everyday life, recover from the unexpected, and realize their dreams.

[TOP]

Will my insurance policy be non-renewed?

• There are several laws in California that address significant losses to homes and homeowners insurance policies. For example, following a declared disaster, California law requires that home insurers renew the impacted homeowners’ insurance policy at least once***.
  • ***With a recent change in California law in 2019, insurers are generally required to renew the policy for at least the next two annual renewal periods, and no less than 24 months from the date of the loss. For the 2017 wildfires that occurred in California (e.g. North Bay Tubbs Fire) State Farm is required to offer one renewal for policyholders that suffered a full loss.
• Many factors are considered when underwriting a homeowner’s insurance policy because each customer’s circumstances are unique. We look at each customer’s situation on a case-by-case basis and try to make sure we treat similar cases fairly and in a consistent manner.
• Losses resulting from weather events or catastrophes are included when re-underwriting a policy for continued insurance coverage. Depending on numerous characteristics that are specific to each policy, State Farm may elect to simply renew the policy, send a caution letter regarding overall claim activity, recommend or require repairs/loss mitigation measures or non-renew the risk.
• Our customers are our top priority, and we want to be able to meet their needs. It is our intent and obligation to fairly and responsibly manage our business, provide the best possible service, and provide homeowners insurance for all of our customers over the long term.

[TOP]

Will rates go up for my homeowners insurance?

• Rates are determined based on our anticipated need to pay future claims, not to make up for past losses. It is important to note that many factors are considered when underwriting and pricing a homeowners insurance policy because each customer’s circumstances are unique.
• We encourage all of our customers to have a conversation with their agent to make sure they are comfortable with the appropriate coverage for their unique situations, including reviewing discounts available to them that could decrease their premiums.

[TOP]

I have heard the term "subrogation". What does it mean and how does it affect me as a State Farm customer?

• State Farm’s commitment to our customers is the same for all claims. That commitment is to pay what we owe promptly, courteously, and efficiently.

• After an insurer has paid its customer on a covered claim, it may seek recovery of such claim payments from a legally responsible third party. This process is called subrogation.

• Subrogation is a common insurance industry operations practice and is pursued in a wide range of losses from auto accidents to large scale disasters. This process helps State Farm recover the costs associated with claim payments made to affected customers and may also result in the reimbursement of the customer’s deductible.

• Subrogation helps State Farm control claim costs and keeps rates low for our customers.

[TOP]

Can State Farm extend my Additional Living Expense coverage benefit beyond the 24 months contractual limit?

• State Farm understands that there are customers facing unique circumstances and situations that are not within their full control. If you have questions about your claim and policy coverage, we would encourage you to reach out to your claim representative. We will work closely with you to address your concerns and see if there is anything more we can do to support you in the recovery process.
  • With a recent change in California law, losses arising from a declared disaster occurring after September 21^st 2018, Additional Living Expense (ALE) is available for no less than 24 months and may be extended to 36 months for good cause. Additional 6 months extensions may also be granted for good cause. For the 2017 wildfires that occurred in California (e.g. North Bay Tubbs Fire) State Farm's contract provides ALE coverage for up to 24 months.

[TOP]

The media has reported on the affordability and availability of homeowners insurance in California. Can I find homeowners insurance in California and is it affordable?

• It is important to keep in mind that homeowners insurance covers many more causes of loss other than wildfires. (Examples: Weather - storms, fire, and wind. Non-weather – water loss, theft and vandalism.)

• In general, many factors are considered when underwriting a new homeowners insurance policy. State Farm considers factors such as the location of the property relative to natural hazards, condition of the property, and the customer's past claim activity and history.

• To keep our promises to all of our homeowner customers, we must find the appropriate balance between our exposure to loss, the resources available to maintain a quality level of service, and our ability to meet our financial obligations to pay claims for all of our California customers.

• For some helpful resources and more information on insurance availability and affordability, this website may be helpful to you.

[TOP]

What are my first steps?

Who is going to help me with my claim?

Does  the State Farm earthquake endorsement provide coverage for debris removal?

Who pays for my living expenses?

How do I replace everything I have lost?

How do I complete a personal contents inventory?

Do I get an advance on my personal contents so I can begin replacing items?

What do I need to do to get 100 percent of contents coverage?

Do I have enough insurance to cover the value of my home?

How can I figure out the replacement cost of my home?

How long does coverage last for a typical insurance policy?

Does State Farm have the resources to pay all of these claims?

Will my insurance policy be non-renewed?

Will rates go up for my homeowners insurance?

I have heard the term "subrogation". What does it mean and how does it affect me as a State Farm customer?

Is damage from an earthquake covered under my State Farm homeowners policy?

• No, damage from an earthquake is not covered under a standard State Farm homeowner insurance policy in Alaska. However, State Farm will pay for any accidental direct physical loss by fire resulting from earth movement, provided the resulting fire loss is itself a loss insured.
• If the risk is eligible, insurance coverage for earthquake damage can be purchased as an endorsement to your State Farm homeowners insurance policy. Customers with questions about the earthquake endorsement can contact their local State Farm agent.

[TOP]

What are my first steps?

• After a claim has been filed, a State Farm claims specialist will contact you to discuss the extent of damage and review what is covered under your policy.
• If at any time during the claims process, you have questions, do not hesitate to ask your claims specialist. We know this can be a difficult and confusing time. We are here to help you 24 hours a day, 7 days a week.

[TOP]

Who is going to help me with my claim?

• State Farm is here to support you from the beginning until the very end.
• The claims process can be complex and it is often necessary to involve multiple claim specialists. This approach to enhanced customer service allows State Farm to provide quality and efficient claim service, 24 hours a day and 365 days a year. Our customers should have confidence that State Farm will bring the necessary people resources to handle our customers’ claims.
• State Farm has catastrophe claim teams in the area. Our claims operation includes a dedicated, mobile workforce, specially trained to handle catastrophe claims and prepared to go anywhere in the country within hours of being notified.

[TOP]

Does the State Farm earthquake endorsement provide coverage for debris removal?

• A State Farm earthquake endorsement may provide coverage, subject to policy terms and limits, to remove debris from the residence premises. We recommend you contact your claim specialist, as they will be able to determine if coverage applies and how much State Farm will pay.
• The choice of who to hire to remove debris from your property is yours. Make sure any removal company is licensed and bonded. Some cities, counties or governmental agencies may offer debris removal in exchange for an agreement that you pay all the money your insurance company pays you for this service.
• State Farm does NOT negotiate debris removal expenses with the county, vendor, or any other entity. It is understood that the county, vendor or other entity is hired by you, our insured, and that they work for you – not State Farm.
• If you receive invoices, estimates or other documentation for debris removal, contact your claim specialist.
• Your claim specialist is available to assist you with any questions you may have and help facilitate the process with you and the other party.

[TOP]

Who pays for my living expenses?

• If a covered loss occurs and damage is so extensive that your residence is uninhabitable, then Additional Living Expenses (ALE) may be available. Generally, ALE reimburses you for increased living expenses you incur as a result of your home being uninhabitable and is subject to the deductible and the terms and conditions of the policy. ALE is available to you while your home is being repaired or replaced, whichever is shorter.

[TOP]

How do I replace everything I have lost?

• For personal contents (the Coverage B portion of your policy), typically, you are paid actual cash value upfront. Then, when you actually replace the damaged personal contents, you will receive the difference as a replacement cost benefit. This assumes the replacements occur within the designated time frame of the contract (up to two years).

[TOP]

How do I complete a personal contents inventory?

• Claim resources are available to provide a personalized experience with customers by offering a face-to-face meeting with the customers to assist them with completing their inventory. Customers who do not need a face-to-face meeting can provide their inventory to their claim handler for processing or submit them electronically directly to their claim file 24/7.
• Customers do not have to wait until their entire inventory is completed to submit to their claim. We encourage submitting inventories by rooms to make it easier for our customers to compile.
• Again, if you need any assistance with the contents inventory process, all you have to do is ask your claim representative for in-person support. We will be there for you for this and all other aspects of your claim.

[TOP]

Do I get an advance on my personal contents so I can begin replacing items?

• State Farm provides advances to address the immediate needs of our customers.
• The advances are designed to provide you flexibility to begin the recovery process.
• We are committed to provide every benefit you are entitled to within the policy contract. This includes payment for items you have lost, subject to the terms and conditions of the policy, up to the policy limits.
• We have claim representatives that are committed to personalizing your claim experience and supporting you throughout the claim process.

[TOP]

Do I have enough insurance to cover the value of my home?

• This tragic earthquake is an important reminder to meet with an agent at least annually to review policies and coverage.
• It’s critical to understand that market value ​is different than the replacement cost to rebuild your home. Market value is the amount a buyer would pay for a home, including the land, regardless of how much it would cost to rebuild the home. Replacement cost for this purpose is the rebuilding cost necessary to replace your entire home.
• We recommend that you purchase an amount of coverage at least equal to the estimated replacement cost. But the choice is yours. Since it is impossible to predict today what the exact cost will be to replace your home in the future, it's important to have enough coverage to account for unforeseen circumstances.

[TOP]

How can I figure out the replacement cost of my home?

• The amount of insurance coverage selected is up to the customer.
• Building contractors or professional replacement cost appraisers are a good source for obtaining an estimated replacement cost of your home. Estimates from these sources should reflect your home's features. When you upgrade or improve your home, you may increase your home's estimated replacement cost.
• Ask if a replacement cost estimate is available when you have the home appraised or consult with your local builders association or a reputable builder for an estimate. If you are unable to obtain a detailed estimate from these sources, a third-party estimating tool is made available to your State Farm agent to assist you with estimating the replacement cost of your home.
• Be sure to inform your agent about any changes to your home that may impact your insurance coverage needs.
• Replacement cost estimates are influenced by supply of labor, demand for labor, and the cost of construction materials. Keeping up with the current market conditions in your area and changing your home insurance coverage amount accordingly, will help you maintain coverage at least equal to 100 percent of the estimated replacement cost coverage for your home.

[TOP]

How long does coverage last for a typical insurance policy?  

• An insurance policy is a contract. You pay for coverage for a specified amount of time defined as the policy period (for example six months or a year). The contract protects you for that specified amount of time and for losses you incur under that contract.
• Coverage is not cumulative year to year, meaning your premiums do not add up like a savings account to be used when there is a claim.

[TOP]

Does State Farm have the resources to pay all of these claims?

• Disasters like these are a reminder that our business is highly volatile. Despite that volatility, our long history of financial strength is what allows us to keep the commitments we have made to our customers, helping to remove some of the uncertainty from their lives during times of significant loss.
• We have faced countless significant weather and other major disasters over our 96-year history, and we stand ready for countless more as we help people manage the risks of everyday life, recover from the unexpected, and realize their dreams.

[TOP]

Will my insurance policy be non-renewed?

• Many factors are considered when underwriting a homeowner’s insurance policy because each customer’s circumstances are unique. We look at each customer’s situation on a case-by-case basis to make sure we treat similar cases fairly and in a consistent manner.
• Losses resulting from weather events or catastrophes may be included when re-underwriting a policy for continued insurance coverage. Depending on numerous characteristics that are specific to each policy, State Farm may elect to simply renew the policy, send a caution letter regarding overall claim activity, recommend or require repairs/loss mitigation measures or non-renew the risk.
• Our customers are our top priority, and we want to be able to meet their needs. It is our intent and obligation to fairly and responsibly manage our business, provide the best possible service, and provide homeowners insurance for all of our customers over the long term.

[TOP]

Will rates go up for my homeowners insurance?

• Rates are determined based on our anticipated need to pay future claims, not to make up for past losses. It is important to note that many factors are considered when underwriting and pricing a homeowners insurance policy because each customer’s circumstances are unique.
• We encourage all of our customers to have a conversation with their agent to make sure they are comfortable with the appropriate coverage for their unique situations, including reviewing discounts available to them that could decrease their premiums.

[TOP]

What are my first steps if I have damage?

What can you expect after initially filing a claim?

Does my homeowner's policy cover hurricane damage?

What type of things are not covered by the typical homeowner's policy during a hurricane?

How do you determine what damages my home from the hurricane: flood vs. wind?

What is my hurricane deductible?

How is the hurricane deductible calculated?

Am I covered for tree debris removal?

What else do I need to know about removing downed trees from my property?

Who is going to help me with my claim?

Who clears my property?

Who pays for my living expenses?

How do I replace everything I have lost?

How do I complete a personal contents inventory of my damaged property?

How long does coverage last for a typical insurance policy?

Does State Farm have the resources to pay all of these claims?

Will rates go up for my homeowners insurance?

What are my first steps if I have damage?

• When it is safe to do so, make (or have a contractor make) temporary repairs to prevent further damage to your home or property.
• Save receipts if you purchase items such as tarps, plywood or other supplies to make repairs.
• Take photos/videos of damage for claim documentation.
• To get the claims process started, you can file your claim online, call 1-800-SFCLAIM (800-732-5246) or contact your State Farm agent.

[TOP]

What can you expect after initially filing a claim?

• After a claim has been filed, a State Farm claims specialist will contact you to discuss the extent of damage and review your policy coverages.
• The complexity and collaboration needed to investigate a claim can sometimes take time, and is necessary for a proper evaluation of your claim.
• If at any time during the claims process, you have questions, do not hesitate to ask your claims specialist. We know this can be a difficult and confusing time. We are here to help you 24 hours a day, seven days a week.

[TOP]

Does my homeowner’s policy cover hurricane damage?

• Unless the damage is excluded in the policy, a typical homeowners policy provides coverage for accidental direct physical loss to your dwelling and may also provide coverage for personal property damage from a hurricane. Flood damage is not covered.

[TOP]

What type of things are not covered by the typical homeowners policy during a hurricane?

• Flooding is not covered under homeowners policies. It is a separate coverage that can be purchased through the federal government’s National Flood Insurance Program. State Farm agents enrolled in the NFIP Direct Program are able to write and service flood insurance coverage directly through the federal government program. Homeowners who have flood coverage and have experienced flood damage should report their claim to their flood insurance carrier so that damages can be assessed. To contact NFIP: 1-888-379-9531. 
• Backup Sewer and Drain: If you have water damage, contact your agent for guidance. Damage from water that enters a home through a sewer, drain, or sump pump is excluded from a homeowners’ policy but coverage may be added to your policy for an additional premium. Homeowners should contact their agent for more information.

[TOP]

How do you determine what damages my home from the hurricane: flood vs wind?

• Policyholders are always encouraged to file a claim should they think they have damage from the hurricane. Coverage and any possible exclusions are then determined during the claims process.

[TOP]

 What is my hurricane Deductible?

• The insurance industry uses hurricane deductibles to account for increased exposure in areas prone to major storm events such as hurricanes.
• State Farm applies hurricane deductibles when a named storm has been declared by the National Weather Service (NWS).
• We encourage State Farm policyholders to review their insurance policy language for the specific provisions related to hurricane deductibles and contact their State Farm agent if they have questions.
• When does the hurricane deductible apply? Each state differs on when the hurricane deductible will apply. Generally, it will apply when a named storm has been declared by the National Weather Service (NWS). Other conditions apply and are outlined in the policy.

[TOP]

How is the hurricane deductible calculated?

• Hurricane deductibles vary. If a policy includes one, State Farm policyholders can find it in their policy documents, or they can contact their State Farm agent.

[TOP]

Am I covered for tree debris removal?

• If a windstorm causes a tree to fall but it does not damage your covered real property (such as your house, fence, carport or garage), the homeowners policy does not cover tree debris removal.
• If a windstorm causes a tree to fall and it damages your covered real property, then coverage is provided to remove the tree from the house, fence, carport or garage to perform repairs to that property. State Farm will also provide up to $500.00 to remove the tree debris from the residence premises. 

[TOP]

What else do I need to know about removing downed trees from my property?

• When hiring a tree removal company you should make sure they are licensed and bonded.
• Also make sure tarping (if appropriate) is included in their work (or another contractor) so that once the tree is removed from the structure, additional damage does not occur through an open/exposed roof. Water mitigation/removal is the next step to reduce the damage caused by water that may have entered your house through the exposed areas.
• Before signing any contracts, talk with your State Farm claim specialist for guidance following a loss.

[TOP]

Who is going to help me with my claim?

• The State Farm team is here to help. Our claims operation includes a dedicated, mobile workforce, specially trained to handle catastrophe claims. These teams are prepared to go anywhere in the country within hours of being notified. They provide claim service, 24 hours a day and 365 days a year.

[TOP]

Who clears my property?

• State Farm homeowners insurance may provide coverage, subject to policy terms and limits, to remove debris from the residence premises. The responsibility to hire someone to clear your land rests with you. We recommend you contact your claim specialist, as they will be able to determine if coverage applies and how much State Farm will pay. Make sure any removal company is licensed and bonded.

[TOP]

Who pays for my living expenses?

• If covered damage is so extensive that your residence is uninhabitable, then Additional Living Expenses (ALE) may be available. Generally, ALE reimburses you for increased living expenses you incur as a result of your home being uninhabitable and is subject to the deductible and the terms and conditions of the policy. ALE is available to you while your home is uninhabitable and being repaired, replaced or up to 24 months, whichever is shorter, and as otherwise indicated in your specific policy.

[TOP]

How do I replace everything I have lost?

• For personal contents (the Coverage B portion of your policy), typically, you are initially paid actual cash value (replacement cost minus depreciation). Then, when you actually replace the damaged personal contents, you will receive the difference as a replacement cost benefit. This assumes the replacements occur within the designated time frame of the contract.

[TOP]

How do I complete a personal contents inventory of my damaged property?

• Your claim specialist is available to assist customers with completing the inventory. Customers who do not need a face-to-face meeting can provide their inventory to their claim handler for processing or submit them electronically directly to their claim file 24/7.
• Customers do not have to wait until their entire inventory is completed to submit to their claim. We encourage submitting inventories by rooms to make it easier for our customers to compile.
• State Farm recommends grouping items of similar quality/price/age: For Example: clothing-jeans-20 pair/shirts-30/etc, cleaning supplies, over-the-counter medication/kitchen utensils as this can help expedite the process. Unusual, specialty or high cost items should be listed individually.
• Again, if you need any assistance with the contents inventory process, all you have to do is ask your claim specialist for help.

[TOP]

How long does coverage last for a typical insurance policy?  

• An insurance policy is a contract. You pay for coverage for a specified amount of time defined as the policy period (for example six months or a year). The contract protects you for that specified amount of time and for losses you incur under that contract.

• Coverage is not cumulative year to year, meaning your premiums do not add up like a savings account to be used when there is a claim.

[TOP]

Does State Farm have the resources to pay all of these claims?

• Disasters like these are a reminder that our business is highly volatile. Despite that volatility, our long history of financial strength is what allows us to keep the commitments we have made to our customers, helping to remove some of the uncertainty from their lives during times of loss.

• We have faced countless significant weather and other major disasters over our 95-year history, and we stand ready for more as we help people manage the risks of everyday life, recover from the unexpected, and realize their dreams.

[TOP]

Will rates go up for my homeowners insurance?

• Rates are determined based on our anticipated need to pay future claims, not to make up for past losses. It is important to note many factors are considered when underwriting and pricing a homeowners insurance policy because each customer’s circumstances are unique.
• We encourage all of our customers to have a conversation with their agent to make sure they are comfortable with the appropriate coverage for their unique situations, including reviewing discounts available to them that could decrease their premiums.

[TOP]

Insurance provided by TNCs may be limited in scope and coverage. Personal auto policies generally do not extend coverage to the use of personal cars as taxis or livery vehicles, including their use in TNC services.

To adapt to changing customer needs, beginning June 26, 2017, State Farm will offer a Transportation Network Company Driver Coverage endorsement in five additional states, Arkansas, Maryland, Nevada, Vermont and Wyoming.

The endorsement will be available starting June 26, 2017.

Earlier this year Arizona, Florida, Kansas, Michigan, Missouri, Montana, New Hampshire, New Jersey, New Mexico, Pennsylvania, South Carolina, Texas, Utah, Virginia and Washington, D.C. received the coverage endorsement, and twenty-three jurisdictions obtained the endorsement in 2016: Alabama, California, Colorado, Connecticut, Delaware, Georgia, Idaho, Indiana, Iowa, Kentucky, Louisiana, Maine, Minnesota, Mississippi, North Dakota, Nebraska, Ohio, Oklahoma, Oregon, Tennessee, Washington, West Virginia and Wisconsin.

"Adapting and innovating to our customers' changing needs is critical," said Vicki Harper, State Farm Public Affairs Specialist. "This new product is an example of our commitment to our customers and provides them coverage, and peace of mind, when they use their personal cars to provide TNC services."

TNCs may provide high liability coverage limits while a paying passenger occupies the driver's vehicle or when the driver has been connected with a passenger and is on the way to pick that person up. But TNCs tend to provide a much lower limit of liability coverage when drivers are just available for hire and may not provide the drivers with any medical payments, comprehensive, or collision coverages at all. The TNCs may not be providing coverage for injuries to the driver or coverage for any damage to the driver's personal car.

This new, optional State Farm TNC Driver Coverage endorsement is cost-effective and provides an opportunity for our customers to obtain coverage that will fill the gaps between their base auto policy and the coverage provided by a TNC.

Customers in these states who drive for a TNC should contact their local State Farm agent to learn more about the new State Farm TNC Driver Coverage endorsement.

(Individual State Graphics Available for Download Below)

The TNC industry is rapidly changing the livery/taxi industry by using the latest mobile technology to facilitate rides for hire. With these new transportation services in the marketplace, drivers are exposed to new risks. Insurance provided by TNCs may be limited in scope and coverage. Personal auto policies generally do not extend coverage to the use of personal cars as taxis or livery vehicles, including their use in TNC services.

The new, optional State Farm TNC Driver Coverage endorsement in Colorado enables a policyholder to have his or her personal auto policy fill in the coverage gaps left by TNC-provided insurance. This cost-effective endorsement provides the driver with the full liability coverage limits carried on their auto policy during the period of time when the driver is available for hire, and provides the driver with all other coverages applicable to their auto policy during all periods of TNC driving.

"Adapting and innovating to our customers' changing needs is critical," said company spokeswoman Angela Thorpe. "This new product is an example of our commitment to our customers and provides them coverage, and peace of mind, when they use their personal cars to provide TNC services."

TNCs in Colorado may provide high liability coverage limits while a paying passenger occupies the driver's vehicle or when the driver has been connected with a passenger and is on the way to pick that person up. But TNCs tend to provide a much lower limit of liability coverage when drivers are just available for hire and may not provide the drivers with any medical payments, comprehensive, or collision coverages at all. The TNCs may not be providing coverage for injuries to the driver or coverage for any damage to the driver's personal car.

Colorado customers who drive for a TNC should contact their local State Farm agent to learn more about the new State Farm TNC Driver Coverage endorsement.

Insurance provided by TNCs may be limited in scope and coverage. Personal auto policies generally do not extend coverage to the use of personal cars as taxis or livery vehicles, including their use in TNC services.

To adapt to changing customer needs, beginning March 21, 2016, State Farm will offer a Transportation Network Company Driver Coverage endorsement in California.

"Adapting and innovating to our customers' changing needs is critical," said Tom Conley, State Farm Senior Vice President. "This new product is an example of our commitment to our customers and provides them coverage, and peace of mind, when they use their personal cars to provide TNC services."

TNCs in California provide $1 Million liability coverage while a paying passenger occupies the driver's vehicle or when the driver has been connected with a passenger and is on the way to pick up that person. However, TNCs provide a much lower limit of liability coverage when drivers are just available for hire and may not provide the drivers with any medical payments, comprehensive, or collision coverages at all. The TNCs may be providing no coverage for injuries to the driver and no coverage for any damage to the driver's personal car.

The new, optional State Farm TNC Driver Coverage endorsement (California) enables a policyholder to have his/her personal auto policy fill in the coverage gaps left by TNC-provided insurance. This cost-effective endorsement provides the driver with the full liability coverage limits(s) he has under his/her auto policy during the period of time when the driver is "available for hire." Additionally it provides the driver with all other coverages applicable to his/her auto policy during all periods of TNC driving.

California customers who drive for a TNC should contact their local State Farm agent to learn more about and see if they are eligible for this new State Farm TNC Driver Coverage endorsement.