State Farm review: Homeowners insurance

One morning, I noticed quite a fair bit of water under my dishwasher and dried that up, turned off the water source. We had used the dishwasher the night before.

Over the next day or two, i noticed the hardwood floor was uneven and had swelled, and i removed the bottom panel of the dishwasher and noticed some persistent water under the dishwasher. I dried that up and placed fans etc.

The first claims specialist that came out to our home to evaluate agreed this was a covered event. He had multiple conversations with my wife about what was going to be covered etc. A general contractor came and had to remove the hardwood floor panels in front of the dishwasher to be able to remove the dishwasher.

A month later, a new claims specialist (who apparently took over the case) then denied the claim without even coming out to the home.

We were surprised and called in to question this change in decision. After a few phone calls, the new claims specialist came to our home, took some pictures and then 2 days later, again denied the claim, stating that the evidence suggested the leak was likely “over a period of time”. One of the new basis of that conclusion was that there was no water damage in the basement below the dishwasher.

The overall damage did occur over a period of time, maybe 1-3 days…. But certainly this was not a longstanding problem that happened over weeks/months.