From: xxxxxx xxxxxxxx[]

Sent: Wednesday, April 28, 1999 7:44 AM


Subject: farmer insurance


Hi Ralph,

I was so glad to find your web site. I'm in the midst of a Farmers problem myself. My truck was recently in a hail storm, with minor damage to the body and major damage to my aluminum camper shell. Farmers covered $1000 on the body but refused to cover the shell because we didn't have the "E1104 Camper Endorsement." I didn't realize that a camper shell needed an additional endorsement, and further, the agent never bothered to inspect my vehicle. Had he done so, he would have seen that I had a camper shell and that I needed additional coverage. I feel it's his job to make sure I'm properly covered.

Obviously Farmers doesn't agree (maybe because if the agent doesn't look at the insured item then they can almost always deny coverage). They tape recorded our statements, supposedly questioned the agent about his incompetence, and then sent us the same form letter denial that they issued twice before. In other words, no matter what we said or who we talked to or how big the agent screwed up, Farmers decided long ago that they weren't covering this claim.

My question to you, Ralph, is do you know if Farmers has a complaint department? And is it even worth my time? I'm planning to cancel my policy but I wanted to raise a stink first. I truly believe the agent failed to do his job.


xxxxxxx xxxxxxxx

St. Louis, MO