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.

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.

In addition to the listed efforts below, State Farm has also issued two Disaster Recovery Grants to help those impacted by Hurricane Ida.

• $200,000 to support the local Red Cross chapter of Southeast Louisiana
• $50,000 to support Second Harvest Food Bank of Greater New Orleans

What We’re Doing

Our catastrophe response team is currently assisting customers following Hurricane Ida. We are committed to handling each customer’s claim, bringing the necessary resources and the largest catastrophe response effort in the industry for the benefit of our customers. Here are some of the many ways State Farm is helping with Hurricane Ida relief efforts.

• State Farm agents, agent’s staff and local employees will be available to help customers with their claims as we begin recovery. We are mobilizing teams of claim adjusters, trained for disaster response, to be ready to respond all across the affected areas.
• State Farm policyholders who have damage from can submit and manage their claim through various channels. This includes calling or emailing their State Farm agent, calling 1-800-SFCLAIM, submitting a claim through our mobile app or through our website at statefarm.com/claims.
• In addition to our on-the-ground catastrophe response team, we also have thousands of employees handling claims across the country in our centralized operations – three Centralized Catastrophe Services (CCS) operations and our Initial Loss Reporting (ILR) teams.
  • Our CCS employees work closely with our “on-the-ground” team to efficiently handle our customers’ claims. Our ILR teams are available 24 hours a day, seven days a week to help our customers report losses and begin the claim process. Our ILR associates are available by phones, mobile app and Internet reporting.
     
• State Farm also has the advantage of a fleet of mobile claim handling facilities, innovatively designed to support our ability to provide optimal customer service even under challenging conditions. Vehicles will be deployed as catastrophe needs require.
• We are helping customers in more ways, and right now that means leveraging technology and offering virtual claim handling when appropriate.
• We encourage customers to take photos of all damage and have temporary repairs made to prevent further damage, but only if it’s safe to do so. And to keep their receipts for reimbursement. Customers with damage are urged to report their claim as soon as possible.
• Finally, State Farm is also helping with the recovery efforts with charitable grants to the Louisiana Red Cross and the Second Harvest Food Bank to help with immediate shelter, food, water, and clothing needs.