# Need help on how to deal with State Farm

**URL:** <https://onehack.st/t/need-help-on-how-to-deal-with-state-farm/319880>\
**Category:** Discussion & Solutions\
**Tags:** solved\
**Created:** [March 19, 2026, 11:00pm UTC](https://onehack.st/t/need-help-on-how-to-deal-with-state-farm/319880 "2026-03-19T23:00:13Z")\
**Posts on this page:** 3\
**Page:** 1

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**Author:** ![Bob.Smit](https://onehack.st/user_avatar/onehack.st/bob.smit/32/161700_2.png) [@Bob.Smit](https://onehack.st/u/Bob.Smit)\
**Post date:** [March 19, 2026, 11:00pm UTC](https://onehack.st/t/need-help-on-how-to-deal-with-state-farm/319880/1 "2026-03-19T23:00:13Z")

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We had a fire last Friday in our fuel oil furnace. Fire department came and luckily the fire was contained and we file with State Farm within 2 hours. It is cold where we are and the agent sent us a low ball offer. #tiredofbs Suggestions? I have an Attorney looking at it. I helped the firefighters put out the fire. State Farm is so snaky and slimy. How do these sacks of \*hit live with themselves?

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**Author:** ![TheStrength](https://onehack.st/user_avatar/onehack.st/thestrength/32/46753_2.png) [@TheStrength](https://onehack.st/u/TheStrength)\
**Post date:** [March 21, 2026, 3:53am UTC](https://onehack.st/t/need-help-on-how-to-deal-with-state-farm/319880/2 "2026-03-21T03:53:44Z")

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🔥 **Your insurance company lowballed you after a fire? Here’s how people flip that.**

Two hires that cost you $0 upfront and change everything:  
→ A **bad faith insurance attorney** (not a regular lawyer — one who ONLY sues insurance companies). They work on contingency = free until you win. Find one at [**United Policyholders**](https://uphelp.org)  
→ A **public adjuster** — think of them as YOUR damage inspector who fights State Farm’s inspector. One family went from a **$15K offer to $120K** just by proving hidden smoke damage State Farm “missed.” Average claim increase: **170-747%.** Find one at [**NAPIA**](https://www.napia.com)

💰 **Money hiding in your policy right now that State Farm will never mention:**  
→ **ALE (Additional Living Expenses)** — hotel, meals, gas, pet boarding, storage while you can’t live at home. Could be **$30K-$90K.** Save every receipt starting TODAY  
→ **Ordinance & Law coverage** — your older home needs code upgrades during repair. That’s a separate bucket worth thousands. Check your declarations page for it  
→ **Contents claim** — every item inside your home gets replaced at TODAY’s price, not the old depreciated value. Most people never collect the full amount because they don’t know to ask

⚡ **One trick you can do right now in 60 seconds:**  
Grab a clean white cloth → wipe it across walls and surfaces in rooms that LOOK fine → photograph the black/gray residue. That’s toxic soot that traveled through your HVAC system into every room. State Farm’s adjuster skipped it. That photo alone can add tens of thousands to your claim.

🚫 **Until your attorney is on board: don’t sign ANYTHING, don’t give a recorded statement, don’t use State Farm’s contractor, don’t throw damaged stuff away, and don’t run your HVAC system** (it spreads toxic soot into every room).

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**Author:** ![Bob.Smit](https://onehack.st/user_avatar/onehack.st/bob.smit/32/161700_2.png) [@Bob.Smit](https://onehack.st/u/Bob.Smit)\
**Post date:** [March 26, 2026, 8:10am UTC](https://onehack.st/t/need-help-on-how-to-deal-with-state-farm/319880/3 "2026-03-26T08:10:17Z")

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Thank-you just saw this. I filed a complaint with our state’s insurance commission and contacted corporate. I received 3 estimates as well as got the firereport from the city. You are exactly right, they offered lodging and seem more open to negotiating. Awesome response. I appreciate your post.