Suzanne M.

I went through a tornado, flooding, and a massive hail storm. The Farmers people I talked with and worked with were very nice and I'm sure they're told what to do by someone higher up. Adjuster was out in June. A restoration company contacted me in July-August and contracted to do ALL the repairs and got those repairs cleared thru Farmers, but I needed to contact a vendor they recommended for the flooring. I did, but their prices were too high for the carpeting. Told the restoration company I would shop around AND I NEVER HEARD FROM THE RESTORATION COMPANY AGAIN. Called and texted them into November, 2019. Now we're into winter and nasty weather. I started getting bids the first week in March - same time the pandemic started and finally got two people to come to my home and do a bid - only got one bid. Went to big box store and bought laminate flooring for less than the carpet to save some monies. Floor was installed and Farmers reimbursed me less than one-third - yes - 1/3 of the total cost. Said laminate was an upgrade from carpeting. Please. I'll never believe a plastic floor is better than a plush carpeting. So full replacement IS NOT full replacement. A letter they sent me said to send in my receipts when the work is complete and they will reimburse me. I'm 64, widowed, and I live on social security. Also, the repairs that I have not had done because of the COVID - Farmers has informed me they will not cover any more repairs so that's another loss. This has cost me a lot. I've used a couple of other insurance companies, but have had Farmers since I was a teenager because it's where my parents bought their coverage. NOTE: Farmers also told me that it was more costly to install laminate so I called five installers. The difference; if they lay carpet they will charge me to move the furniture because the room has to be empty - they don't charge to move furniture for laminate. For laminate, I have to replace the trim along the floor so they basically told me that they ran about the same on installation. Six in one; have a dozen in the other.