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State Farm Insurance Company: Mililani Shopping Center (update!!!!)

By Celeste "SALLY" Cheeseman

Real Estate Agent with Liberty Homes RS-#62825

July 12, 2008 05:23 PM

Our plight with the leak from upstairs ended last week when the kitchen ceiling was replaced this past week. The one thing that I was so upset about was that no one would take responsibility or be accountable for our ceiling caving in .... after two weeks of sitting on their floor (my ceiling) from THEIR FLOOD.

Marissa at State Farm Well, out of all that mess, we stressed out for a month, our insurance company ALLSTATE dropped us and I inquired with a couple of insurance companies to see what we could get in light of this tragedy.

Yeah, it's a tragedy when you are left knowing you are the victim, are penalized and then left with no insurance.

I felt ...naked.

I called my auto insurance company AIG Hawaii and they referred me to Hawaii Insurance Consultants in their office. I explained the whole situation and he promised that we would get us some type of insurance. He called the next day and said....I hate to inform you...BUT....they are not willing to insure you. WOW. So many years with that company and they were not willing to help us.

Everyone in my office said "CALL STATE FARM"! Seeing as they insure our company for E & O Insurance, insure many of our agents and their homes and autos I decided to give it a try.

We worked out all the details during the week and I even got quotes for my auto insurance too. We completely switched to State Farm with both of our autos and condo insurance. Same coverage on our home and autos and I am saving $$ with them on both as well!

We had a very pleasant experience through our application process with "Marissa" at State Farm in Mililani Shopping Center and she was very helpful and kind when I told her of our plight. She met with us today to give us our temporary cards and packets for both the autos and the condo insurance and she also gave us an ice cream scooper and a cup too! (I never got a darn thing from either of my former insurance companies for years except for turning me down and turning me away in time of need)

Well, I was "NOT IN GOOD HANDS" with Allstate ....

but "LIKE A GOOD NEIGHBOR....STATE FARM IS THERE".

Thank you for making our transition a smooth one Marissa! (she's a great agent!)

State Farm Insurance

95-390 Kuahelani Ave Ste 3F
Mililani, HI 96789
808-625-2226

State Farm Auto Insurance has been insuring autos since 1942 and State Farm insures more cars and homes than any other insurer. Providing Insurance And Financial Services, Life, Home, Health, Business, Auto, Retirement Planning, Member Fdic, Loans, Equal Housing Lender, Education Planning.

UPDATE!!!!!!!

7/14/2008: The National News (CBS) aired this story tonight ALLSTATE ACCUSED OF LEAVING HOMEOWNERS DRY

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Celeste "SALLY" Cheeseman

Liberty Homes - Mililani, HI

(RA) AHWD CRS ePRO OAHU HAWAII REAL ESTATE

Katerina: You ever file a claim with Allstate? How about a leak and water damage one? See how you are in good hands when that happens...or don't file a claim at all. I do believe that's where they were coming from. Don't file a claim and you're in good hands. They opened their for premiums but want you to close yours when something happens.

Jul 13, 2008 05:41 AM

Celeste "SALLY" Cheeseman

Liberty Homes - Mililani, HI

(RA) AHWD CRS ePRO OAHU HAWAII REAL ESTATE

Leolinda: I have no problem saying the name of the company. They dropped us even though it wasn't our fault. They didn't send anyone out to look at the problem nor go after the guy upstairs and his insurance .....which was Allstate. And they didn't investigate. I was livid...living with a huge gaping hole. Oh...our home was fixed. They had no choice. They messed up paying out the guy upstairs during the first week.

Jul 13, 2008 05:44 AM

Celeste "SALLY" Cheeseman

Liberty Homes - Mililani, HI

(RA) AHWD CRS ePRO OAHU HAWAII REAL ESTATE

Randy: Thanks...they really made me feel comfortable and said that they would fight tooth and nail for us if something like that happened. Isn't it better to investigate anyway? Allstate left us hanging...and we still don't know where it came from because upstairs claimed no liability.

Jul 13, 2008 05:46 AM

Bill Gassett

RE/MAX Executive Realty - Hopkinton, MA

Metrowest Massachusetts Real Estate

Sally talk about cutting off your nose despite your face. Well all is well that ends well. Sounds crazy that Allstate would not step up to the plate.

Jul 13, 2008 05:57 AM

Celeste "SALLY" Cheeseman

Liberty Homes - Mililani, HI

(RA) AHWD CRS ePRO OAHU HAWAII REAL ESTATE

Linda; Mee toooo! I'll give you guys an update after a year lol!

Morning to you too Hal! Yup...I am happy today after all that stress prior. I just believe all of this could have been handled professionally by all involved. My association, the insurance co., the tenant upstairs and the owner upstairs should have done their part instead of dumping it all on ....our heads :)

Jul 13, 2008 05:58 AM

Celeste "SALLY" Cheeseman

Liberty Homes - Mililani, HI

(RA) AHWD CRS ePRO OAHU HAWAII REAL ESTATE

Carole: I think the whole difference will be that they will investigate. Any insurance co. in their right mind would have done so...and had the responsible parties pay.

Jul 13, 2008 06:00 AM

Celeste "SALLY" Cheeseman

Liberty Homes - Mililani, HI

(RA) AHWD CRS ePRO OAHU HAWAII REAL ESTATE

Lenn: I think I'm going to inquire about life insurance next. I don't want Gary throwing me on the BBQ....I at least want a decent cremation LOL!

We have health through Gary's work...and still pay about $4800 a year. And why have insurance if we are unable to make a claim? Scammers :)

Jul 13, 2008 06:08 AM

Celeste "SALLY" Cheeseman

Liberty Homes - Mililani, HI

(RA) AHWD CRS ePRO OAHU HAWAII REAL ESTATE

Kat: Yeah...I've heard that Farmers is good..in your neck of the woods :)

Janeann: Hope you get some balance and glad to see you!

Jul 13, 2008 06:09 AM

Celeste "SALLY" Cheeseman

Liberty Homes - Mililani, HI

(RA) AHWD CRS ePRO OAHU HAWAII REAL ESTATE

Neal: I learned a big lesson....and I'm glad I'm with an agent and company who cares.

Jul 13, 2008 06:14 AM

Celeste "SALLY" Cheeseman

Liberty Homes - Mililani, HI

(RA) AHWD CRS ePRO OAHU HAWAII REAL ESTATE

Bill: I presume that each co has its quirks. I just can't believe how this process was not done properly.

Jul 13, 2008 06:16 AM

Teri Eckholm

Boardman Realty - White Bear Lake, MN

REALTOR Serving Mpls/St Paul North & East Metro

Sally--State Farm is a Minnesota Company and where many Minnesotans turn to first for insurance coverage. It is a wonderful company. But funny thing is that I cannot say I loved my SF agent. In fact a few years ago now, after our first homeowners claim after decades with the company, we switched insurers due to our frustrations with two different SF agents. Your agent is everything with insurance and lucky for you it sounds like you found an excellent one!

Jul 13, 2008 07:40 AM

Cynthia Tilghman, Realtor® Onslow County NC Home Specialist

Kingsbridge Realty, Inc - Hubert, NC

Hi Sally,
Funny how the insurance companies love it as long as you're paying premiums and have no claims but once you have a claim, they no longer want you as a client. Now, let's see why do we have insurance??? Hmmm.

Jul 13, 2008 09:32 AM

George Souto

George Souto NMLS #65149 FHA, CHFA, VA Mortgages - Middletown, CT

Your Connecticut Mortgage Expert

Sally some times out of tragedy good things happen, and it looks like it is that in your case. You are saving money and got an ice cream scooper and cup. IT DOES NOT GET BETTER THEN THAT :)

Jul 13, 2008 11:15 AM

Gary L. Waters Broker Associate, Bucci Realty

Bucci Realty, Inc. - Melbourne, FL

Eighteen Years Experience in Brevard County

I wonder how Allstate can claim to have good hands when all they have is a big middle finger sticking out at you when you need them...I am surprised by State Farm - good endorsement.

Jul 13, 2008 01:33 PM

Kathy McGraw

CELLing Realty - White Water, CA

Riverside County CA Real Estate

Sally- I liked the ending....about a good neighbor :) Now if you can just get decent tenants in the rentals you might be OK :) :)

Jul 13, 2008 01:38 PM

Kelly Sibilsky

Licensed Through Referral Connection, LTD. - Lake Zurich, IL

Glad it worked out for you but we used to have State Farm and they doubled our insurance one year even though we had never made a single claim...we are now at Allstate and they've been wonderful! Go figure. I wonder if it has to do with the particular franchise or office and not the overall company?

Jul 14, 2008 02:25 AM

Celeste "SALLY" Cheeseman

Liberty Homes - Mililani, HI

(RA) AHWD CRS ePRO OAHU HAWAII REAL ESTATE

Teri: I think the same goes for any company...it's the agents :)

Cynthia: Exactly...why do we have insurance?

George: Maybe I'll get to use the ice cream scoop one day (high sugar) haha.

Gary: I think when it comes down to it....it's all going to depend on the situation and agent.

Kathy: I can only hope

Kelly: Have you even filed a claim with Allstate? Did the insurance rates go up after Katrina? Ours did...eveyones did...here in Hawaii... And...we had to go through a mainland co. to deal with....and it took a month and they ended up finally sending an adjuster a month later. Then dropped us. It was the agents on the mainland that messed with us. The one guy went on vacation and then the one who took care of the guy upstairs contacted us....weird.

Jul 14, 2008 04:02 AM

Celeste "SALLY" Cheeseman

Liberty Homes - Mililani, HI

(RA) AHWD CRS ePRO OAHU HAWAII REAL ESTATE

For everyone.....

We all have our quirks about certain insurance companies and what they do or do not do for us.

This was my own personal experience but this story aired tonight on CBS National News:

ALLSTATE ACCUSED OF LEAVING HOMEOWNERS DRY

Jul 14, 2008 05:41 PM

Barbara-Jo Roberts Berberi, MA, PSA, TRC - Greater Clearwater Florida Residential Real Estate Professional

Charles Rutenberg Realty - Clearwater, FL

Palm Harbor, Dunedin, Clearwater, Safety Harbor

Sally - that is a great way to let everyone know!!! Allstate did a lot of horrible things down here in Florida too to a lot of people that had their coverage for years!!!!! Glad you now have coverage again!

Jul 17, 2008 06:28 AM

Dennis Volz

State Farm Insurance - San Diego, CA

Like a Good Neighbor

I've been a State Farm Agent for over 30 years and watched them pay thousands of claims. I'll tell you that they look for ways the policy contract can pay you rather then look for loopholes. Back in 1978 I decided to sell insurance BEFORE I picked State Farm. Went with their outstanding reputation then and never regretted my choice.

Jan 13, 2009 12:13 AM