He was very cunning. He told me in April & August, 2005 (more than once) to NOT fill out a Proof of Loss about rebuilding the house. He said: "Just give us an estimate to rebuild it", which I did. Little did I know that later, State Farm would claim that I never asked them to rebuild the house. At the time, I was naive and trusted State Farm, and did what Fred Williams told me to do. What a huge mistake. It's obvious in retrospect that he set it up that way from the start in order for State Farm to save money by NOT rebuilding my house.
Fred Williams yelled at me on the phone when I called and asked them to honor the policy they sold me. Not only was he not helpful, he was mean and abusive. I called State Farm and complained but was still forced to deal with him. Fred Williams also refused to answer questions on how to make the claim and fill out State Farm's Inventory and Proof of Loss forms. (I had never made any kind of insurance claim before this) Again and again, I have seen that Fred Williams intentionally misled me, or was unhelpful in order to be able to claim later that "I did not cooperate" with State Farm.
These are just a few examples of how the powerful and experienced State Farm effortlessly orchestrated the events. State Farm used deception and intimidation, invoking fear and despair, all in their efforts to deter me from making a claim. Their actions were carefully calculated so they would later be able to shift the blame on me. It was a smooth, sophisticated performance by State Farm. After all, State Farm has years of experience manipulating the customer, then shifting the blame, all in order to avoid paying. I had never made any kind of insurance claim before, not even a car accident, and have never since.
State Farm refused to pay our "additional living expenses" as promised in our policy, or provide another Birmingham home, hotel, or temporary apartment. I was not able to be present in Birmingham to operate my business, and we suffered financially. As a result of State Farm's failure to perform I lost my business & ONLY source of income to support my children.
My phone records show over 80 calls to State Farm. (SEE PHONE LOG) It should be apparent to anyone that I was frantically trying to get State Farm to DO THEIR JOB, as promised in my policy. Fred Williams actually claimed, later on, that I was "hard to get hold of". (READ EXCERPTS FROM FRED WILLIAMS DEPOSITION)
Is calling State Farm 80 times being "hard to get hold of "? Do State Farm, Fred Williams, and Lloyd Renfrow *really* expect anyone to believe that I called "just to talk about the weather" over 80 times? What pathetic liars.
It's been over seven years now, and State Farm is still lying, shifting blame. State Farm weaseled out of going to trial on technicalities that are unrelated to the validity of our claim. State Farm did not want a Jury to hear about what they did to us, & even went so far as to threaten a Judge in our case. (State Farm has conceded that it was a valid claim) They claimed I caused delays that they intentionally caused. They told me I didn't need a lawyer. Now I know why. They were delighted that I had little to no guidance or advice. State Farm intentionally gave the Probate Court false statements & misleading information, thus causing delays in Probate. It cost me over $8,000. to attempt to straighten out the mess created by State Farm's false statements. I eventually had to give up trying, as we were homeless by then, and were forced to live in a condemned house. I was forced to spend thousands of dollars I can't afford traveling to depositions given by State Farm, in which a huge table full of lawyers grilled me for 14 hours, day after day. (Please see LINK to example of State Farm's "Mad Dog" Legal Tactics)
State Farm has dragged me over the coals to get rid of me. I'm not going away. I want everyone to know what an evil, opportunistic predator State Farm really is. We lost our husband & father, our house, & everything in it at once. I lost my Mom, & then my business. I became sick & depressed, and unable to function. State Farm took advantage of us at our worst moment, and I resent them for it. After all, the reason we buy insurance in the first place is so that we won't completely fall on our face after a tragedy or loss. It's outrageous that State Farm made the experience even WORSE instead of helping. I still have not recovered completely from their actions.
I would not have believed this could happen, had this not happened to us. I was naive and trusting, and foolishly believed State Farm's advertising. All the years of hard work was wasted. The house that was in Jeff's family for over 40 years, gone. The girls and I have been forced to start over again with nothing.
My policy promised to perform within 60 days. State Farm FAILED US miserably.
Sincerely, Angela Russell & the Russell Children