{"id":"state-farm","page":"https://escalate.alexgaoth.com/#/c/state-farm","html":"https://escalate.alexgaoth.com/c/state-farm/","generated":"2026-10-15","company":{"id":"state-farm","name":"State Farm","aliases":["state farm insurance","statefarm","state farm mutual","state farm auto insurance","state farm home insurance"],"sector":"insurance_property","website":"https://www.statefarm.com","account_url":"https://auth.proofing.statefarm.com/login-ui/login","regulators":[],"channels":[{"id":"claims-phone","type":"phone","label":"Auto, home and property claims (800-SF-CLAIM)","value":"+1-800-732-5246","hours":"24/7","purposes":["claim_denial","claim_delay"],"access":"open","notes":"Also the help number on the claim tracking page.","source":"https://www.statefarm.com/claims/home-and-property","last_verified":"2026-10-12"},{"id":"customer-service-phone","type":"phone","label":"Comments or questions (800-STATE-FARM)","value":"+1-800-782-8332","purposes":["bill_increase","billing_error","poor_service","cancel_service"],"source":"https://www.statefarm.com/customer-care/contact-us","last_verified":"2026-10-12"},{"id":"phone-24-7","type":"phone","label":"24/7 phone line","value":"+1-800-440-0998","hours":"24/7","source":"https://www.statefarm.com/customer-care/contact-us","last_verified":"2026-10-12"},{"id":"glass-claims-phone","type":"phone","label":"Auto glass only claims","value":"+1-888-624-4410","source":"https://www.statefarm.com/customer-care/contact-us","last_verified":"2026-10-12"},{"id":"roadside-phone","type":"phone","label":"Emergency road service","value":"+1-877-627-5757","hours":"24/7","source":"https://www.statefarm.com/customer-care/contact-us","last_verified":"2026-10-12"},{"id":"tty","type":"phone","label":"Relay service for deaf, hard of hearing or non-voice callers","value":"711","source":"https://www.statefarm.com/customer-care/contact-us","last_verified":"2026-10-12"},{"id":"claims-online","type":"web_form","label":"Start a claim online","value":"https://reportloss.claims.statefarm.com/start-claim","purposes":["claim_delay"],"source":"https://www.statefarm.com/claims","last_verified":"2026-10-12"},{"id":"claim-status","type":"portal","label":"Track a claim and message the claim handler","value":"https://www.statefarm.com/claims/check-existing-claim","purposes":["claim_delay","claim_denial"],"access":"login","notes":"Customers and people claiming against a State Farm customer must log in or create an account. Have the claim number ready.","source":"https://www.statefarm.com/claims/check-existing-claim","last_verified":"2026-10-12"},{"id":"contact-form","type":"web_form","label":"Comments or questions form","value":"https://apps.statefarm.com/CustomerForms/GeneralContactUsForm.htm","purposes":["poor_service","claim_denial","claim_delay"],"notes":"Linked from the contact page as the channel for comments or questions. State Farm does not publish a separate complaint form.","source":"https://www.statefarm.com/customer-care/contact-us","last_verified":"2026-10-12"}],"escalation":[{"rung":"frontline","channel":"claims-phone","note":"Or the local State Farm agent or claim associate."},{"rung":"supervisor","note":"Ask for the claim handler's team manager."},{"rung":"written_complaint","channel":"contact-form","note":"Ask for the denial and the policy language it relies on, in writing."},{"rung":"state_agency","agency_kind":"insurance_department"},{"rung":"arbitration","note":"Appraisal for disputes about the amount of a loss, where the policy has an appraisal provision. Check the policy booklet."},{"rung":"small_claims"}],"playbooks":[{"issue":"claim_denial","summary":"Get the written denial with the policy language, dispute it with the claim handler, then go to the state insurance department.","evidence":["claim number","denial letter","policy booklet and declarations page","photos","repair estimates","receipts"],"steps":[{"do":"Read the denial letter. State Farm sends a letter that names the policy language it relied on."},{"do":"Call the claim handler or 800-SF-CLAIM. Ask for a reconsideration and give any new evidence.","channel":"claims-phone"},{"do":"Send the dispute in writing through the claim portal message feature, and keep a copy.","channel":"claim-status"},{"do":"If the dispute is only about the amount of the loss, check the policy for an appraisal provision and make a written demand for appraisal."},{"do":"File a complaint with your state insurance department. Attach the denial letter and your timeline."}],"facts":[{"kind":"process","claim":"For a home or property claim, if coverage does not apply, State Farm sends a written letter that explains the specific policy language responsible for the denial.","issues":["claim_denial"],"source":"https://www.statefarm.com/claims/home-and-property","last_verified":"2026-10-12"},{"kind":"policy","claim":"In Washington, the State Farm Personal Car Policy 9847C (notice dated 06/2025) lets either the covered vehicle owner or State Farm make a written demand for appraisal of a physical damage loss. Each party pays its own appraiser and the umpire's expenses are shared equally.","issues":["claim_denial"],"source":"https://www.statefarm.com/content/dam/sf-library/en-us/pca-endorsement/auto/153-7582.pdf","last_verified":"2026-10-12"}]},{"issue":"claim_delay","summary":"Use the claim portal to see the status and message the handler, then escalate by phone and to the state.","evidence":["claim number","dates of each contact","documents sent"],"steps":[{"do":"Log in to the claim tracker. Check the status and ask the claim handler in writing what is still needed.","channel":"claim-status"},{"do":"Call 800-SF-CLAIM and ask for the claim handler's manager if there is no answer.","channel":"claims-phone"},{"do":"File a complaint with your state insurance department if the claim still does not move."}],"facts":[{"kind":"process","claim":"After a home or property claim is filed, State Farm assigns a claim handler or team. You can message the handler after you log in online or in the app.","issues":["claim_delay"],"source":"https://www.statefarm.com/claims/home-and-property","last_verified":"2026-10-12"}]},{"issue":"bill_increase","summary":"Compare the renewal with the prior term, then ask the agent to review discounts, deductibles and coverage.","evidence":["prior declarations page","renewal declarations page","driving record or claims history"],"steps":[{"do":"Compare the old and new declarations pages. Find whether coverage, deductibles, drivers, vehicles or a general rate change caused the increase."},{"do":"Ask the local agent or call 800-STATE-FARM to review safe-driving and bundling discounts and a higher deductible.","channel":"customer-service-phone"},{"do":"Get quotes from other insurers before renewal if the price stays too high."}],"facts":[{"kind":"policy","claim":"State Farm lists age, location, driving record, claims history, annual mileage, vehicle type and policy limits and deductibles as factors in car insurance premiums. It states that higher deductibles may help lower the premium.","issues":["bill_increase"],"source":"https://www.statefarm.com/simple-insights/auto-and-vehicles/what-affects-car-insurance-premiums","last_verified":"2026-10-12"}]}],"facts":[{"kind":"process","claim":"State Farm asks you to file a home claim as soon as possible after you find damage. It does not state a fixed deadline on the claims page.","issues":["claim_delay"],"source":"https://www.statefarm.com/claims/home-and-property","last_verified":"2026-10-12"}],"tips":[{"kind":"official","text":"Policy booklets and endorsements can be read without logging in at the State Farm policy library (statefarm.com/policy-library), as named in State Farm's 2025 Washington auto policy notice.","issues":["claim_denial"],"source":"https://www.statefarm.com/content/dam/sf-library/en-us/pca-endorsement/auto/153-7582.pdf","last_verified":"2026-10-12"}],"known_blockers":["Claim tracking and messaging the claim handler need sign-in.","State Farm does not publish a dedicated complaint form or complaint mailing address; the general comments form is a JavaScript page.","Policy changes often go through the local State Farm agent."],"notes":"Sells through local State Farm agents. Health, life, banking (U.S. Bank) and loan products have separate numbers on the contact page.","official_domains":["statefarm.com","sfdividend.com"],"security":{"never_asks":[{"kind":"policy","claim":"State Farm will not send unsolicited email with attachments, and does not require customers to send personal information by email or pop-up windows.","source":"https://www.statefarm.com/customer-care/privacy-security/security","last_verified":"2026-10-12"},{"kind":"policy","claim":"State Farm will not ask for your personal email password or banking password.","source":"https://www.statefarm.com/customer-care/privacy-security/security","last_verified":"2026-10-12"},{"kind":"policy","claim":"State Farm will not ask you to pay a fee to receive a dividend payment.","source":"https://www.statefarm.com/customer-care/privacy-security/security","last_verified":"2026-10-12"}],"known_scams":[{"kind":"policy","claim":"Fake websites and phone numbers impersonate State Farm, including look-alike domains such as statfarm.com (missing the \"e\").","source":"https://www.statefarm.com/customer-care/privacy-security/security","last_verified":"2026-10-12"},{"kind":"policy","claim":"Scammers impersonate Verita, State Farm's dividend payment partner. statefarmdividend.com is not a State Farm site; real dividend selection emails come from donotreply@e.sfdividend.com.","source":"https://www.statefarm.com/customer-care/privacy-security/security","last_verified":"2026-10-12"},{"kind":"policy","claim":"Emails and texts offer car emergency kits, fire safety kits or dash cameras for completing a survey. State Farm says it does not offer these items for a survey.","source":"https://www.statefarm.com/customer-care/privacy-security/security","last_verified":"2026-10-12"},{"kind":"policy","claim":"Phishing emails impersonate State Farm Claims. State Farm advises not to click links or open attachments in unexpected claim emails.","source":"https://www.statefarm.com/customer-care/privacy-security/security","last_verified":"2026-10-12"},{"kind":"policy","claim":"Ads promise free insurance for seniors or middle-aged drivers. State Farm says these ads contain inaccurate information and were not authorized by State Farm.","source":"https://www.statefarm.com/customer-care/privacy-security/security","last_verified":"2026-10-12"}],"report_phishing":[{"id":"abuse-email","type":"email","label":"Forward suspicious State Farm emails","value":"abuse@statefarm.com","notes":"State Farm sends an automatic reply but no personal response.","source":"https://www.statefarm.com/customer-care/privacy-security/security","last_verified":"2026-10-12"}]}},"playbooks":{"claim_denial":{"company":{"id":"state-farm","name":"State Farm","sector":"insurance_property","website":"https://www.statefarm.com","account_url":"https://auth.proofing.statefarm.com/login-ui/login"},"issue":{"id":"claim_denial","name":"Insurance claim denied"},"playbook_source":"company","summary":"Get the written denial with the policy language, dispute it with the claim handler, then go to the state insurance department.","evidence":["claim number","denial letter","policy booklet and declarations page","photos","repair estimates","receipts"],"steps":[{"do":"Read the denial letter. State Farm sends a letter that names the policy language it relied on."},{"do":"Call the claim handler or 800-SF-CLAIM. Ask for a reconsideration and give any new evidence.","channel":{"id":"claims-phone","type":"phone","label":"Auto, home and property claims (800-SF-CLAIM)","value":"+1-800-732-5246","hours":"24/7","purposes":["claim_denial","claim_delay"],"access":"open","notes":"Also the help number on the claim tracking page.","source":"https://www.statefarm.com/claims/home-and-property","last_verified":"2026-10-12"}},{"do":"Send the dispute in writing through the claim portal message feature, and keep a copy.","channel":{"id":"claim-status","type":"portal","label":"Track a claim and message the claim handler","value":"https://www.statefarm.com/claims/check-existing-claim","purposes":["claim_delay","claim_denial"],"access":"login","notes":"Customers and people claiming against a State Farm customer must log in or create an account. Have the claim number ready.","source":"https://www.statefarm.com/claims/check-existing-claim","last_verified":"2026-10-12"}},{"do":"If the dispute is only about the amount of the loss, check the policy for an appraisal provision and make a written demand for appraisal."},{"do":"File a complaint with your state insurance department. Attach the denial letter and your timeline."}],"channels":[{"id":"claims-phone","type":"phone","label":"Auto, home and property claims (800-SF-CLAIM)","value":"+1-800-732-5246","hours":"24/7","purposes":["claim_denial","claim_delay"],"access":"open","notes":"Also the help number on the claim tracking page.","source":"https://www.statefarm.com/claims/home-and-property","last_verified":"2026-10-12"},{"id":"phone-24-7","type":"phone","label":"24/7 phone line","value":"+1-800-440-0998","hours":"24/7","source":"https://www.statefarm.com/customer-care/contact-us","last_verified":"2026-10-12"},{"id":"glass-claims-phone","type":"phone","label":"Auto glass only claims","value":"+1-888-624-4410","source":"https://www.statefarm.com/customer-care/contact-us","last_verified":"2026-10-12"},{"id":"roadside-phone","type":"phone","label":"Emergency road service","value":"+1-877-627-5757","hours":"24/7","source":"https://www.statefarm.com/customer-care/contact-us","last_verified":"2026-10-12"},{"id":"tty","type":"phone","label":"Relay service for deaf, hard of hearing or non-voice callers","value":"711","source":"https://www.statefarm.com/customer-care/contact-us","last_verified":"2026-10-12"},{"id":"claim-status","type":"portal","label":"Track a claim and message the claim handler","value":"https://www.statefarm.com/claims/check-existing-claim","purposes":["claim_delay","claim_denial"],"access":"login","notes":"Customers and people claiming against a State Farm customer must log in or create an account. Have the claim number ready.","source":"https://www.statefarm.com/claims/check-existing-claim","last_verified":"2026-10-12"},{"id":"contact-form","type":"web_form","label":"Comments or questions form","value":"https://apps.statefarm.com/CustomerForms/GeneralContactUsForm.htm","purposes":["poor_service","claim_denial","claim_delay"],"notes":"Linked from the contact page as the channel for comments or questions. State Farm does not publish a separate complaint form.","source":"https://www.statefarm.com/customer-care/contact-us","last_verified":"2026-10-12"}],"facts":[{"kind":"process","claim":"For a home or property claim, if coverage does not apply, State Farm sends a written letter that explains the specific policy language responsible for the denial.","issues":["claim_denial"],"source":"https://www.statefarm.com/claims/home-and-property","last_verified":"2026-10-12"},{"kind":"policy","claim":"In Washington, the State Farm Personal Car Policy 9847C (notice dated 06/2025) lets either the covered vehicle owner or State Farm make a written demand for appraisal of a physical damage loss. Each party pays its own appraiser and the umpire's expenses are shared equally.","issues":["claim_denial"],"source":"https://www.statefarm.com/content/dam/sf-library/en-us/pca-endorsement/auto/153-7582.pdf","last_verified":"2026-10-12"}],"rules":{"in_force":[],"not_in_force":[]},"tips":[{"kind":"official","text":"Policy booklets and endorsements can be read without logging in at the State Farm policy library (statefarm.com/policy-library), as named in State Farm's 2025 Washington auto policy notice.","issues":["claim_denial"],"source":"https://www.statefarm.com/content/dam/sf-library/en-us/pca-endorsement/auto/153-7582.pdf","last_verified":"2026-10-12"}],"escalation":[{"index":0,"rung":"frontline","note":"Or the local State Farm agent or claim associate.","channel":{"id":"claims-phone","type":"phone","label":"Auto, home and property claims (800-SF-CLAIM)","value":"+1-800-732-5246","hours":"24/7","purposes":["claim_denial","claim_delay"],"access":"open","notes":"Also the help number on the claim tracking page.","source":"https://www.statefarm.com/claims/home-and-property","last_verified":"2026-10-12"}},{"index":1,"rung":"supervisor","note":"Ask for the claim handler's team manager.","candidate_channels":[]},{"index":2,"rung":"written_complaint","note":"Ask for the denial and the policy language it relies on, in writing.","channel":{"id":"contact-form","type":"web_form","label":"Comments or questions form","value":"https://apps.statefarm.com/CustomerForms/GeneralContactUsForm.htm","purposes":["poor_service","claim_denial","claim_delay"],"notes":"Linked from the contact page as the channel for comments or questions. State Farm does not publish a separate complaint form.","source":"https://www.statefarm.com/customer-care/contact-us","last_verified":"2026-10-12"}},{"index":3,"rung":"state_agency","agency_kind":"insurance_department","agencies":"Ask for the person's state, then call find_regulators."},{"index":4,"rung":"arbitration","note":"Appraisal for disputes about the amount of a loss, where the policy has an appraisal provision. Check the policy booklet."},{"index":5,"rung":"small_claims"}],"known_blockers":["Claim tracking and messaging the claim handler need sign-in.","State Farm does not publish a dedicated complaint form or complaint mailing address; the general comments form is a JavaScript page.","Policy changes often go through the local State Farm agent."],"security":{"official_domains":["statefarm.com","sfdividend.com"],"never_asks":[{"kind":"policy","claim":"State Farm will not send unsolicited email with attachments, and does not require customers to send personal information by email or pop-up windows.","source":"https://www.statefarm.com/customer-care/privacy-security/security","last_verified":"2026-10-12"},{"kind":"policy","claim":"State Farm will not ask for your personal email password or banking password.","source":"https://www.statefarm.com/customer-care/privacy-security/security","last_verified":"2026-10-12"},{"kind":"policy","claim":"State Farm will not ask you to pay a fee to receive a dividend payment.","source":"https://www.statefarm.com/customer-care/privacy-security/security","last_verified":"2026-10-12"}],"known_scams":[{"kind":"policy","claim":"Fake websites and phone numbers impersonate State Farm, including look-alike domains such as statfarm.com (missing the \"e\").","source":"https://www.statefarm.com/customer-care/privacy-security/security","last_verified":"2026-10-12"},{"kind":"policy","claim":"Scammers impersonate Verita, State Farm's dividend payment partner. statefarmdividend.com is not a State Farm site; real dividend selection emails come from donotreply@e.sfdividend.com.","source":"https://www.statefarm.com/customer-care/privacy-security/security","last_verified":"2026-10-12"},{"kind":"policy","claim":"Emails and texts offer car emergency kits, fire safety kits or dash cameras for completing a survey. State Farm says it does not offer these items for a survey.","source":"https://www.statefarm.com/customer-care/privacy-security/security","last_verified":"2026-10-12"},{"kind":"policy","claim":"Phishing emails impersonate State Farm Claims. State Farm advises not to click links or open attachments in unexpected claim emails.","source":"https://www.statefarm.com/customer-care/privacy-security/security","last_verified":"2026-10-12"},{"kind":"policy","claim":"Ads promise free insurance for seniors or middle-aged drivers. State Farm says these ads contain inaccurate information and were not authorized by State Farm.","source":"https://www.statefarm.com/customer-care/privacy-security/security","last_verified":"2026-10-12"}],"report_phishing":[{"id":"abuse-email","type":"email","label":"Forward suspicious State Farm emails","value":"abuse@statefarm.com","notes":"State Farm sends an automatic reply but no personal response.","source":"https://www.statefarm.com/customer-care/privacy-security/security","last_verified":"2026-10-12"}]},"credibility":{"grade":"A","primary_share":1.0,"sources":{"primary":43},"verified_from":{"page":24},"last_verified":"2026-10-12","oldest_verified":"2026-10-12","stale_items":0,"explanation":"Grade A (high: almost everything comes from official pages read directly). 100% of 43 sources are the organization's own pages or government sites.","dossier_last_verified":"2026-10-12"},"context":{"dossier":true,"sector_guide":true,"hint":"Call get_context for how this company handles complaints in practice and which scams use its name."},"notes":"Sells through local State Farm agents. Health, life, banking (U.S. Bank) and loan products have separate numbers on the contact page.","warnings":[]},"claim_delay":{"company":{"id":"state-farm","name":"State Farm","sector":"insurance_property","website":"https://www.statefarm.com","account_url":"https://auth.proofing.statefarm.com/login-ui/login"},"issue":{"id":"claim_delay","name":"Insurance claim delayed"},"playbook_source":"company","summary":"Use the claim portal to see the status and message the handler, then escalate by phone and to the state.","evidence":["claim number","dates of each contact","documents sent"],"steps":[{"do":"Log in to the claim tracker. Check the status and ask the claim handler in writing what is still needed.","channel":{"id":"claim-status","type":"portal","label":"Track a claim and message the claim handler","value":"https://www.statefarm.com/claims/check-existing-claim","purposes":["claim_delay","claim_denial"],"access":"login","notes":"Customers and people claiming against a State Farm customer must log in or create an account. Have the claim number ready.","source":"https://www.statefarm.com/claims/check-existing-claim","last_verified":"2026-10-12"}},{"do":"Call 800-SF-CLAIM and ask for the claim handler's manager if there is no answer.","channel":{"id":"claims-phone","type":"phone","label":"Auto, home and property claims (800-SF-CLAIM)","value":"+1-800-732-5246","hours":"24/7","purposes":["claim_denial","claim_delay"],"access":"open","notes":"Also the help number on the claim tracking page.","source":"https://www.statefarm.com/claims/home-and-property","last_verified":"2026-10-12"}},{"do":"File a complaint with your state insurance department if the claim still does not move."}],"channels":[{"id":"claims-phone","type":"phone","label":"Auto, home and property claims (800-SF-CLAIM)","value":"+1-800-732-5246","hours":"24/7","purposes":["claim_denial","claim_delay"],"access":"open","notes":"Also the help number on the claim tracking page.","source":"https://www.statefarm.com/claims/home-and-property","last_verified":"2026-10-12"},{"id":"phone-24-7","type":"phone","label":"24/7 phone line","value":"+1-800-440-0998","hours":"24/7","source":"https://www.statefarm.com/customer-care/contact-us","last_verified":"2026-10-12"},{"id":"glass-claims-phone","type":"phone","label":"Auto glass only claims","value":"+1-888-624-4410","source":"https://www.statefarm.com/customer-care/contact-us","last_verified":"2026-10-12"},{"id":"roadside-phone","type":"phone","label":"Emergency road service","value":"+1-877-627-5757","hours":"24/7","source":"https://www.statefarm.com/customer-care/contact-us","last_verified":"2026-10-12"},{"id":"tty","type":"phone","label":"Relay service for deaf, hard of hearing or non-voice callers","value":"711","source":"https://www.statefarm.com/customer-care/contact-us","last_verified":"2026-10-12"},{"id":"claims-online","type":"web_form","label":"Start a claim online","value":"https://reportloss.claims.statefarm.com/start-claim","purposes":["claim_delay"],"source":"https://www.statefarm.com/claims","last_verified":"2026-10-12"},{"id":"claim-status","type":"portal","label":"Track a claim and message the claim handler","value":"https://www.statefarm.com/claims/check-existing-claim","purposes":["claim_delay","claim_denial"],"access":"login","notes":"Customers and people claiming against a State Farm customer must log in or create an account. Have the claim number ready.","source":"https://www.statefarm.com/claims/check-existing-claim","last_verified":"2026-10-12"},{"id":"contact-form","type":"web_form","label":"Comments or questions form","value":"https://apps.statefarm.com/CustomerForms/GeneralContactUsForm.htm","purposes":["poor_service","claim_denial","claim_delay"],"notes":"Linked from the contact page as the channel for comments or questions. State Farm does not publish a separate complaint form.","source":"https://www.statefarm.com/customer-care/contact-us","last_verified":"2026-10-12"}],"facts":[{"kind":"process","claim":"After a home or property claim is filed, State Farm assigns a claim handler or team. You can message the handler after you log in online or in the app.","issues":["claim_delay"],"source":"https://www.statefarm.com/claims/home-and-property","last_verified":"2026-10-12"},{"kind":"process","claim":"State Farm asks you to file a home claim as soon as possible after you find damage. It does not state a fixed deadline on the claims page.","issues":["claim_delay"],"source":"https://www.statefarm.com/claims/home-and-property","last_verified":"2026-10-12"}],"rules":{"in_force":[],"not_in_force":[]},"tips":[],"escalation":[{"index":0,"rung":"frontline","note":"Or the local State Farm agent or claim associate.","channel":{"id":"claims-phone","type":"phone","label":"Auto, home and property claims (800-SF-CLAIM)","value":"+1-800-732-5246","hours":"24/7","purposes":["claim_denial","claim_delay"],"access":"open","notes":"Also the help number on the claim tracking page.","source":"https://www.statefarm.com/claims/home-and-property","last_verified":"2026-10-12"}},{"index":1,"rung":"supervisor","note":"Ask for the claim handler's team manager.","candidate_channels":[]},{"index":2,"rung":"written_complaint","note":"Ask for the denial and the policy language it relies on, in writing.","channel":{"id":"contact-form","type":"web_form","label":"Comments or questions form","value":"https://apps.statefarm.com/CustomerForms/GeneralContactUsForm.htm","purposes":["poor_service","claim_denial","claim_delay"],"notes":"Linked from the contact page as the channel for comments or questions. State Farm does not publish a separate complaint form.","source":"https://www.statefarm.com/customer-care/contact-us","last_verified":"2026-10-12"}},{"index":3,"rung":"state_agency","agency_kind":"insurance_department","agencies":"Ask for the person's state, then call find_regulators."},{"index":4,"rung":"arbitration","note":"Appraisal for disputes about the amount of a loss, where the policy has an appraisal provision. Check the policy booklet."},{"index":5,"rung":"small_claims"}],"known_blockers":["Claim tracking and messaging the claim handler need sign-in.","State Farm does not publish a dedicated complaint form or complaint mailing address; the general comments form is a JavaScript page.","Policy changes often go through the local State Farm agent."],"security":{"official_domains":["statefarm.com","sfdividend.com"],"never_asks":[{"kind":"policy","claim":"State Farm will not send unsolicited email with attachments, and does not require customers to send personal information by email or pop-up windows.","source":"https://www.statefarm.com/customer-care/privacy-security/security","last_verified":"2026-10-12"},{"kind":"policy","claim":"State Farm will not ask for your personal email password or banking password.","source":"https://www.statefarm.com/customer-care/privacy-security/security","last_verified":"2026-10-12"},{"kind":"policy","claim":"State Farm will not ask you to pay a fee to receive a dividend payment.","source":"https://www.statefarm.com/customer-care/privacy-security/security","last_verified":"2026-10-12"}],"known_scams":[{"kind":"policy","claim":"Fake websites and phone numbers impersonate State Farm, including look-alike domains such as statfarm.com (missing the \"e\").","source":"https://www.statefarm.com/customer-care/privacy-security/security","last_verified":"2026-10-12"},{"kind":"policy","claim":"Scammers impersonate Verita, State Farm's dividend payment partner. statefarmdividend.com is not a State Farm site; real dividend selection emails come from donotreply@e.sfdividend.com.","source":"https://www.statefarm.com/customer-care/privacy-security/security","last_verified":"2026-10-12"},{"kind":"policy","claim":"Emails and texts offer car emergency kits, fire safety kits or dash cameras for completing a survey. State Farm says it does not offer these items for a survey.","source":"https://www.statefarm.com/customer-care/privacy-security/security","last_verified":"2026-10-12"},{"kind":"policy","claim":"Phishing emails impersonate State Farm Claims. State Farm advises not to click links or open attachments in unexpected claim emails.","source":"https://www.statefarm.com/customer-care/privacy-security/security","last_verified":"2026-10-12"},{"kind":"policy","claim":"Ads promise free insurance for seniors or middle-aged drivers. State Farm says these ads contain inaccurate information and were not authorized by State Farm.","source":"https://www.statefarm.com/customer-care/privacy-security/security","last_verified":"2026-10-12"}],"report_phishing":[{"id":"abuse-email","type":"email","label":"Forward suspicious State Farm emails","value":"abuse@statefarm.com","notes":"State Farm sends an automatic reply but no personal response.","source":"https://www.statefarm.com/customer-care/privacy-security/security","last_verified":"2026-10-12"}]},"credibility":{"grade":"A","primary_share":1.0,"sources":{"primary":43},"verified_from":{"page":24},"last_verified":"2026-10-12","oldest_verified":"2026-10-12","stale_items":0,"explanation":"Grade A (high: almost everything comes from official pages read directly). 100% of 43 sources are the organization's own pages or government sites.","dossier_last_verified":"2026-10-12"},"context":{"dossier":true,"sector_guide":true,"hint":"Call get_context for how this company handles complaints in practice and which scams use its name."},"notes":"Sells through local State Farm agents. Health, life, banking (U.S. Bank) and loan products have separate numbers on the contact page.","warnings":[]},"bill_increase":{"company":{"id":"state-farm","name":"State Farm","sector":"insurance_property","website":"https://www.statefarm.com","account_url":"https://auth.proofing.statefarm.com/login-ui/login"},"issue":{"id":"bill_increase","name":"Bill went up"},"playbook_source":"company","summary":"Compare the renewal with the prior term, then ask the agent to review discounts, deductibles and coverage.","evidence":["prior declarations page","renewal declarations page","driving record or claims history"],"steps":[{"do":"Compare the old and new declarations pages. Find whether coverage, deductibles, drivers, vehicles or a general rate change caused the increase."},{"do":"Ask the local agent or call 800-STATE-FARM to review safe-driving and bundling discounts and a higher deductible.","channel":{"id":"customer-service-phone","type":"phone","label":"Comments or questions (800-STATE-FARM)","value":"+1-800-782-8332","purposes":["bill_increase","billing_error","poor_service","cancel_service"],"source":"https://www.statefarm.com/customer-care/contact-us","last_verified":"2026-10-12"}},{"do":"Get quotes from other insurers before renewal if the price stays too high."}],"channels":[{"id":"customer-service-phone","type":"phone","label":"Comments or questions (800-STATE-FARM)","value":"+1-800-782-8332","purposes":["bill_increase","billing_error","poor_service","cancel_service"],"source":"https://www.statefarm.com/customer-care/contact-us","last_verified":"2026-10-12"},{"id":"phone-24-7","type":"phone","label":"24/7 phone line","value":"+1-800-440-0998","hours":"24/7","source":"https://www.statefarm.com/customer-care/contact-us","last_verified":"2026-10-12"},{"id":"glass-claims-phone","type":"phone","label":"Auto glass only claims","value":"+1-888-624-4410","source":"https://www.statefarm.com/customer-care/contact-us","last_verified":"2026-10-12"},{"id":"roadside-phone","type":"phone","label":"Emergency road service","value":"+1-877-627-5757","hours":"24/7","source":"https://www.statefarm.com/customer-care/contact-us","last_verified":"2026-10-12"},{"id":"tty","type":"phone","label":"Relay service for deaf, hard of hearing or non-voice callers","value":"711","source":"https://www.statefarm.com/customer-care/contact-us","last_verified":"2026-10-12"}],"facts":[{"kind":"policy","claim":"State Farm lists age, location, driving record, claims history, annual mileage, vehicle type and policy limits and deductibles as factors in car insurance premiums. It states that higher deductibles may help lower the premium.","issues":["bill_increase"],"source":"https://www.statefarm.com/simple-insights/auto-and-vehicles/what-affects-car-insurance-premiums","last_verified":"2026-10-12"}],"rules":{"in_force":[],"not_in_force":[]},"tips":[],"escalation":[{"index":0,"rung":"frontline","note":"Or the local State Farm agent or claim associate.","channel":{"id":"claims-phone","type":"phone","label":"Auto, home and property claims (800-SF-CLAIM)","value":"+1-800-732-5246","hours":"24/7","purposes":["claim_denial","claim_delay"],"access":"open","notes":"Also the help number on the claim tracking page.","source":"https://www.statefarm.com/claims/home-and-property","last_verified":"2026-10-12"}},{"index":1,"rung":"supervisor","note":"Ask for the claim handler's team manager.","candidate_channels":[]},{"index":2,"rung":"written_complaint","note":"Ask for the denial and the policy language it relies on, in writing.","channel":{"id":"contact-form","type":"web_form","label":"Comments or questions form","value":"https://apps.statefarm.com/CustomerForms/GeneralContactUsForm.htm","purposes":["poor_service","claim_denial","claim_delay"],"notes":"Linked from the contact page as the channel for comments or questions. State Farm does not publish a separate complaint form.","source":"https://www.statefarm.com/customer-care/contact-us","last_verified":"2026-10-12"}},{"index":3,"rung":"state_agency","agency_kind":"insurance_department","agencies":"Ask for the person's state, then call find_regulators."},{"index":4,"rung":"arbitration","note":"Appraisal for disputes about the amount of a loss, where the policy has an appraisal provision. Check the policy booklet."},{"index":5,"rung":"small_claims"}],"known_blockers":["Claim tracking and messaging the claim handler need sign-in.","State Farm does not publish a dedicated complaint form or complaint mailing address; the general comments form is a JavaScript page.","Policy changes often go through the local State Farm agent."],"security":{"official_domains":["statefarm.com","sfdividend.com"],"never_asks":[{"kind":"policy","claim":"State Farm will not send unsolicited email with attachments, and does not require customers to send personal information by email or pop-up windows.","source":"https://www.statefarm.com/customer-care/privacy-security/security","last_verified":"2026-10-12"},{"kind":"policy","claim":"State Farm will not ask for your personal email password or banking password.","source":"https://www.statefarm.com/customer-care/privacy-security/security","last_verified":"2026-10-12"},{"kind":"policy","claim":"State Farm will not ask you to pay a fee to receive a dividend payment.","source":"https://www.statefarm.com/customer-care/privacy-security/security","last_verified":"2026-10-12"}],"known_scams":[{"kind":"policy","claim":"Fake websites and phone numbers impersonate State Farm, including look-alike domains such as statfarm.com (missing the \"e\").","source":"https://www.statefarm.com/customer-care/privacy-security/security","last_verified":"2026-10-12"},{"kind":"policy","claim":"Scammers impersonate Verita, State Farm's dividend payment partner. statefarmdividend.com is not a State Farm site; real dividend selection emails come from donotreply@e.sfdividend.com.","source":"https://www.statefarm.com/customer-care/privacy-security/security","last_verified":"2026-10-12"},{"kind":"policy","claim":"Emails and texts offer car emergency kits, fire safety kits or dash cameras for completing a survey. State Farm says it does not offer these items for a survey.","source":"https://www.statefarm.com/customer-care/privacy-security/security","last_verified":"2026-10-12"},{"kind":"policy","claim":"Phishing emails impersonate State Farm Claims. State Farm advises not to click links or open attachments in unexpected claim emails.","source":"https://www.statefarm.com/customer-care/privacy-security/security","last_verified":"2026-10-12"},{"kind":"policy","claim":"Ads promise free insurance for seniors or middle-aged drivers. State Farm says these ads contain inaccurate information and were not authorized by State Farm.","source":"https://www.statefarm.com/customer-care/privacy-security/security","last_verified":"2026-10-12"}],"report_phishing":[{"id":"abuse-email","type":"email","label":"Forward suspicious State Farm emails","value":"abuse@statefarm.com","notes":"State Farm sends an automatic reply but no personal response.","source":"https://www.statefarm.com/customer-care/privacy-security/security","last_verified":"2026-10-12"}]},"credibility":{"grade":"A","primary_share":1.0,"sources":{"primary":43},"verified_from":{"page":24},"last_verified":"2026-10-12","oldest_verified":"2026-10-12","stale_items":0,"explanation":"Grade A (high: almost everything comes from official pages read directly). 100% of 43 sources are the organization's own pages or government sites.","dossier_last_verified":"2026-10-12"},"context":{"dossier":true,"sector_guide":true,"hint":"Call get_context for how this company handles complaints in practice and which scams use its name."},"notes":"Sells through local State Farm agents. Health, life, banking (U.S. Bank) and loan products have separate numbers on the contact page.","warnings":[]}},"escalation":[{"index":0,"rung":"frontline","note":"Or the local State Farm agent or claim associate.","channel":{"id":"claims-phone","type":"phone","label":"Auto, home and property claims (800-SF-CLAIM)","value":"+1-800-732-5246","hours":"24/7","purposes":["claim_denial","claim_delay"],"access":"open","notes":"Also the help number on the claim tracking page.","source":"https://www.statefarm.com/claims/home-and-property","last_verified":"2026-10-12"}},{"index":1,"rung":"supervisor","note":"Ask for the claim handler's team manager.","candidate_channels":[]},{"index":2,"rung":"written_complaint","note":"Ask for the denial and the policy language it relies on, in writing.","channel":{"id":"contact-form","type":"web_form","label":"Comments or questions form","value":"https://apps.statefarm.com/CustomerForms/GeneralContactUsForm.htm","purposes":["poor_service","claim_denial","claim_delay"],"notes":"Linked from the contact page as the channel for comments or questions. State Farm does not publish a separate complaint form.","source":"https://www.statefarm.com/customer-care/contact-us","last_verified":"2026-10-12"}},{"index":3,"rung":"state_agency","agency_kind":"insurance_department","agencies":"Ask for the person's state, then call find_regulators."},{"index":4,"rung":"arbitration","note":"Appraisal for disputes about the amount of a loss, where the policy has an appraisal provision. Check the policy booklet."},{"index":5,"rung":"small_claims"}],"security":{"official_domains":["statefarm.com","sfdividend.com"],"never_asks":[{"kind":"policy","claim":"State Farm will not send unsolicited email with attachments, and does not require customers to send personal information by email or pop-up windows.","source":"https://www.statefarm.com/customer-care/privacy-security/security","last_verified":"2026-10-12"},{"kind":"policy","claim":"State Farm will not ask for your personal email password or banking password.","source":"https://www.statefarm.com/customer-care/privacy-security/security","last_verified":"2026-10-12"},{"kind":"policy","claim":"State Farm will not ask you to pay a fee to receive a dividend payment.","source":"https://www.statefarm.com/customer-care/privacy-security/security","last_verified":"2026-10-12"}],"known_scams":[{"kind":"policy","claim":"Fake websites and phone numbers impersonate State Farm, including look-alike domains such as statfarm.com (missing the \"e\").","source":"https://www.statefarm.com/customer-care/privacy-security/security","last_verified":"2026-10-12"},{"kind":"policy","claim":"Scammers impersonate Verita, State Farm's dividend payment partner. statefarmdividend.com is not a State Farm site; real dividend selection emails come from donotreply@e.sfdividend.com.","source":"https://www.statefarm.com/customer-care/privacy-security/security","last_verified":"2026-10-12"},{"kind":"policy","claim":"Emails and texts offer car emergency kits, fire safety kits or dash cameras for completing a survey. State Farm says it does not offer these items for a survey.","source":"https://www.statefarm.com/customer-care/privacy-security/security","last_verified":"2026-10-12"},{"kind":"policy","claim":"Phishing emails impersonate State Farm Claims. State Farm advises not to click links or open attachments in unexpected claim emails.","source":"https://www.statefarm.com/customer-care/privacy-security/security","last_verified":"2026-10-12"},{"kind":"policy","claim":"Ads promise free insurance for seniors or middle-aged drivers. State Farm says these ads contain inaccurate information and were not authorized by State Farm.","source":"https://www.statefarm.com/customer-care/privacy-security/security","last_verified":"2026-10-12"}],"report_phishing":[{"id":"abuse-email","type":"email","label":"Forward suspicious State Farm emails","value":"abuse@statefarm.com","notes":"State Farm sends an automatic reply but no personal response.","source":"https://www.statefarm.com/customer-care/privacy-security/security","last_verified":"2026-10-12"}]},"credibility":{"grade":"A","primary_share":1.0,"sources":{"primary":43},"verified_from":{"page":24},"last_verified":"2026-10-12","oldest_verified":"2026-10-12","stale_items":0,"explanation":"Grade A (high: almost everything comes from official pages read directly). 100% of 43 sources are the organization's own pages or government sites.","dossier_last_verified":"2026-10-12"},"dossier":{"title":"State Farm — how complaints actually go","last_verified":"2026-10-12","file":"dossiers/state-farm.md","markdown":"## In short\n\nState Farm has no dedicated complaint line: work through the assigned claim handler, keep everything in writing, and if a claim is denied, use the denial letter, which must name the policy language it relies on. When a claim stalls or the amount is too low, file a complaint with your state insurance department; in California the department says formal complaints are what let it take enforcement action, and it has charged State Farm General over its 2025 wildfire claims handling. State Farm will not ask for your passwords or for a fee to receive a dividend; forward suspicious emails to abuse@statefarm.com.\n\n## How complaints actually go\n\n- Contact lines: customer care 800-782-8332 (800-STATE-FARM), auto, home and property claims 800-732-5246 (800-SF-CLAIM), a 24/7 line at 800-440-0998, and a \"Leave a comment\" web form. The contact page lists no dedicated complaint line. [State Farm contact us](https://www.statefarm.com/customer-care/contact-us)\n- For a home or property claim, State Farm assigns a claim handler or team. If coverage does not apply, it sends a written letter explaining the specific policy language behind the denial. [State Farm home and property claims](https://www.statefarm.com/claims/home-and-property)\n- File a home claim as soon as possible after you find damage; the claims page gives no fixed number of days. [State Farm home and property claims](https://www.statefarm.com/claims/home-and-property)\n- The next step is your state insurance department. In California, file at insurance.ca.gov or call (800) 927-4357; the department says formal consumer complaints are required for it to take direct enforcement action. [California Department of Insurance, June 2025](https://www.insurance.ca.gov/0400-news/0102-alerts/2025/Commissioner-Lara-Launches-Investigation.cfm)\n- In May 2026 California filed an Accusation and Order to Show Cause against State Farm General after an examination of Los Angeles wildfire claims found 398 violations in 114 of 220 sampled claims, including late investigations, missed deadlines, low offers and repeated adjuster reassignments. Penalties would follow a hearing before an administrative law judge. [California Department of Insurance, May 2026](https://www.insurance.ca.gov/0400-news/0100-press-releases/2026/release019-2026.cfm)\n\n## What tends to work\n\n- Answer the denial letter point by point against the policy language it cites, and add your own evidence such as contractor estimates. [State Farm home and property claims](https://www.statefarm.com/claims/home-and-property) [TDI: if your insurance isn't paying enough](https://www.tdi.texas.gov/tips/disagree.html)\n- File a formal complaint with the state, not only a phone call: in California 34 of the violations in the State Farm General case came from consumer complaints. [California Department of Insurance, May 2026](https://www.insurance.ca.gov/0400-news/0100-press-releases/2026/release019-2026.cfm)\n- For a dispute about the amount of a covered loss, check the policy for appraisal: each side hires an appraiser, an umpire decides differences, and the result binds both sides. [TDI: if your insurance isn't paying enough](https://www.tdi.texas.gov/tips/disagree.html)\n- Keep a log of every adjuster and every deadline; California's examiners cited adjuster reassignments (\"adjuster roulette\") and poor communication as violations. [California Department of Insurance, May 2026](https://www.insurance.ca.gov/0400-news/0100-press-releases/2026/release019-2026.cfm)\n\n## Traps and fine print\n\n- Appraisal costs money: you pay your own appraiser and half of the umpire's costs. [TDI: if your insurance isn't paying enough](https://www.tdi.texas.gov/tips/disagree.html)\n- State Farm dividend payments are handled with a partner, Verita, through sfdividend.com; statefarmdividend.com is not a State Farm site, and State Farm will not ask you to pay a fee to receive a dividend. [State Farm security](https://www.statefarm.com/customer-care/privacy-security/security)\n\n## By the numbers\n\n- California homeowners, State Farm General: 6.1 justified complaints per 100,000 earned exposures in 2025 (118 complaints), 11.9 in 2024 (254) and 1.6 in 2023 (37). [CDI homeowners complaint composite](https://www.insurance.ca.gov/01-consumers/120-company/03-concmplt/homecomposite.cfm)\n- California auto, State Farm Mutual Automobile: 3.1 justified complaints per 100,000 earned exposures in 2025 (121 complaints), 3.4 in 2024 (140) and 2.7 in 2023 (105). [CDI auto complaint composite](https://www.insurance.ca.gov/01-consumers/120-company/03-concmplt/autocomposite.cfm)\n- State Farm policyholders filed about 11,300 of the 38,835 residential claims from the 2025 Los Angeles wildfires. [California Department of Insurance, May 2026](https://www.insurance.ca.gov/0400-news/0100-press-releases/2026/release019-2026.cfm)\n\n## Scams that target customers\n\n- State Farm will not send unsolicited emails with attachments, will not require personal information by email or pop-up, and will not ask for your email or banking password. [State Farm security](https://www.statefarm.com/customer-care/privacy-security/security)\n- Fake State Farm websites and phone numbers exist, including look-alike domains such as statfarm.com; call your agent at a number you know is correct. [State Farm security](https://www.statefarm.com/customer-care/privacy-security/security)\n- Emails and texts offering car emergency kits, fire safety kits or dash cameras for a survey are not from State Farm. [State Farm security](https://www.statefarm.com/customer-care/privacy-security/security)\n- Forward suspicious State Farm emails to abuse@statefarm.com; you get an automatic reply but no personal response. [State Farm security](https://www.statefarm.com/customer-care/privacy-security/security)\n"},"guide":{"key":"insurance_property","title":"Auto, home and renters insurance — how complaints work","last_verified":"2026-10-12","file":"guides/insurance_property.md","page":"https://escalate.alexgaoth.com/#/guides/insurance_property"}}