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15 days

As of yesterday, it has been 15 business days since I submitted my paperwork to State Farm for all of the things that were stolen from my apartment.

They have never reached out to me, but I have called them three times. First, with questions before I submitted my paperwork (this was when they told me they had 15 days to accept or reject my claim but that it "never takes that long"), then to see if they needed my new address since I was moving soon and finally last week to get an update on my claim status (this was when they told me they were just waiting on the police report which they had requested on August 16 and it only takes 3 or 4 days).

Maybe they put a note in your file every time you call and make you wait that much longer before they finish your claim. 

I just want to replace what was taken from me.

According to Texas law, there are deadlines for insurance companies to act after you’ve filed a claim. They must accept or reject my claim within 15 days after me submit any documents it asked for. If the company rejects my claim, it must explain its reasons in writing.

While waiting to hear from the claims department or even my agent with an update as to what is going on, I have gotten a notice in the mail that my premium is going up. Now, don't get me wrong, I understand this. Kind of. Yes, I filed a claim and you have to pay out. But it's not like it's my fault. My favorite part is that they were able to reevaluate my policy and up my premium before they were able to settle my claim. Well done State Farm.

**Update - I just spoke with State Farm and they are STILL waiting for the police report. And while I understand that they need it, my policy says 15 days from when I turn in my paperwork.






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