L.A.-based Farmers tops survey of big California home insurers that decline the most claims

[Zorro]

Three of California’s largest home insurance companies declined nearly half of their claims in 2023, well above the national average, according to a ratings agency report reviewed by The Times.

In a survey of national claims handled by the state’s leading home insurance companies, affiliates of Los Angeles-based Farmers Insurance topped the list, denying about 50% of claims for payment.

Following close behind were two USAA affiliates, which declined 48% of payment claims; and Allstate Insurance with 46%, according to the report by Weiss Ratings, based in Palm Beach Gardens, Fla.

By comparison, Weiss noted, home insurers across the U.S. in 2023 denied 37% of claims, up from 25% two decades ago, according to data from the National Assn. of Insurance Commissioners.

https://www.latimes.com/business/story/2025-01-15/california-home-insurance-claims-denials-weiss-ratings-farmers-state-farm-los-angeles-fires

[bucolic_frolic]

1. Understand the process. Get an insurance adjuster to negotiate for you.

Yes they get a cut, but you get denied - nothing! - without them.