# Review: Farmers/Foremost Insurance - Claim Experience## 1-Star Rating ★☆☆☆☆After 10 years as a Farmers/Foremost policyholder with consistent on-time premium payments, I am documenting my recent experience with an interior drywall damage claim.The facts of the situation are as follows:1. Farmers/Foremost has acknowledged that my interior drywall damage is covered under my policy.2. The insurance company has issued payment of approximately $700 for the covered damage.3. I have obtained three separate professional contractor quotes for the necessary repairs. The lowest quote is $3,500, and this does not include all required materials.4. When presented with these three independent professional quotes, Farmers/Foremost representatives stated that all three quotes were "unreasonable" and suggested I continue searching for lower-cost options.5. Upon inquiry, the claims representative, Kevin Moser, explained that the $700 payment amount was determined by inputting data into a spreadsheet program that calculated the payment, without apparent consideration for actual repair costs in my area.6. My premium payments to Farmers/Foremost over my 10-year history as a policyholder exceed the amount of this claim. When I inquired about this fact, the representative declined to address the question.7. This matter has remained unresolved for one month despite multiple communications with my broker, contractors, and Farmers/Foremost representatives.8. Communications with Farmers/Foremost have been consistently one-sided; representatives do not return calls unless repeatedly contacted.The end result is that I must pay over $2,800 out of pocket for repairs that Farmers/Foremost has acknowledged are covered under my policy.I am providing this information so that other consumers can make informed decisions regarding their insurance provider selection.
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In 1928, two men shared a dream of providing a quality insurance product at a reasonable price. In the decades that followed we’ve grown and adapted to meet the changing needs of Americans. But one constant has remained: We have an unwavering commitment to uphold our founding ideals to provide industry-leading products and first-rate services to the customers we’re privileged to serve.
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In 1959 a Farmers customer wrote us a letter of surprised gratitude when his car battery was replaced just an hour after it was stolen. A letter from a couple in 2002 wrote that their Farmers agent and Claims Adjuster “were exceptional in their handling of our grief, what we needed to do, and helpful in many other ways.” That same year, when Hurricane Rita struck Beaumont, Texas, Farmers sent 300 agents to assess damages while policy holders were evacuated. Farmers also donated $100,000 for the city’s emergency operations center and two megawatt generators that restored power to Beaumont. Whatever year or decade a disaster occurs, you can count on us to be there for you.
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