The State Farm Files:
400+ Survivors Speak Out
We are the families who trusted State Farm and paid them for decades. When disaster struck, we counted on them to honor their promises. Instead, the company has delayed, denied, and underpaid at scale. Our homes are left toxic. We are still displaced. Our children’s health is at risk.
Read or download The State Farm Files. It may break your heart.
Across 400+ first-hand survivor accounts, seven themes emerge:
1. Abandoned after decades of paying premiums
Families paid premiums for decades, only to be left stranded after a disaster.
”We paid premiums for 35 years. Now, State Farm isn’t just delaying our recovery. They’re making our suffering worse, day after day.”
2. Rotating shuffle of adjusters
Survivors are bounced from one adjuster to the next, forced to start over each time.
“My claim has been reassigned to 5 different adjusters. Each time, we’ve had to start over.”
3. Refusal to test toxic homes
Insurers refuse to test for toxins, pressuring families to return to unsafe homes.
“They’re pressuring us to put our 19 month old baby and 5-year-old kindergartener back into a home contaminated with dangerous levels of lead.”
4. Drastically lowballed loss estimates
Insurers are shifting and slashing loss estimates for both destroyed and partially damaged homes.
”They offered us $11k to remediate our 5-bedroom house. That’s only 13% of the actual cost.”
5. Financial devastation
Delays and denials are driving families into deep financial distress.
“We have maxed out credit cards and emptied our retirement savings while they stall.”
6. Crushing health impacts
The relentless stress insurers have inflicted is devastating people’s health.
“I’ve had panic attacks, lost 20 lbs, and I cry in the car before picking up my kids.”
7. Survivors demand accountability
Survivors are begging state leaders to step in and enforce the law.
“The fact that Lara is even considering a rate hike while State Farm delays, denies, and underpays shows corruption at every level — and a system that serves only State Farm’s profiteering off our loss.”