Erica Szymankowski - State Farm Insurance Agent E, Woodland Park

Thank you Wendy! We are happy to have you!

Susannah, As I previously responded under your partner’s review, I am sorry that I cannot break industry rules and regulations to accommodate your situation. We all make mistakes and we are honored to have the ability with State Farm to fix them when we do, but we cannot violate the law. If our office makes a mistake we will fix it.

Pam, I am sorry that your home does not meet the State Farm Underwriting Guidelines, thus preventing underwriters from issuing your homeowner's policy. That is not a decision made by any agent or agency, but rather consistent eligibility guidelines set by the insurance underwriter. Agencies are in the business of writing insurance policies, and we work hard to do so since that is how we earn business. Not every home is eligible for State Farm, but our agency will always try to help customers by submitting an application to the company for consideration. As with most insurance carriers and agents, we work hard to look for discounts for our customers, and the multi-line discount is a great opportunity to save hundreds, if not thousands of dollars over the years. Consistent with the Colorado Laws and Industry standards, when an agent issues a binder of insurance, coverage goes into effect for a specified number of days allowing the underwriters time to have the property inspected, application reviewed and make a decision to either issue the policy or decline the application. In the event of a declination, coverage remains in force for a specified number of days, allowing for notification to the customer and time for the customer to secure other coverage. While this temporary coverage is in force, premiums are owed to the insurance company. (No customer premiums are ever "held" by the agency). Lenders are also protected during this time since they require continuous coverage on their collateral. If a customer chooses to cancel the coverage prior to the temporary binder of insurance expiration date, then the premium refund is prorated by the day to the date of termination. The coverage that is in effect from the effective date of the binder of insurance to the termination date, is required to be paid, since the coverage was in effect. If a covered loss occurs during the temporary binder of insurance period, then the claim is valid and payable, therefor the premium is payable to the insurer. In a specific situation were a back date or change of the termination date is requested, special handling may be required for corporate approval, resulting in slightly longer processing times, but all refunds should be issued by the company (not the agency) within the state regulatory requirement timelime after receipt of all required documentation. This is timeline and refund processing is not controlled by the agency. While Google reviews are a great way for the community to share their opinions and experiences with business, and we welcome honest and accurate feedback, but slander, libel, and false statements should not be tolerated as they intentionally inappropriately damage businesses and people working hard to support our community and families, and following the State Farm rules and insurance regulations.

Claire I will have one our agents call you right away to take care of your payment and figure this out. Update: Thank you for allowing us research and correct this situation. I apologize for the inconvenience. We have fixed the phone programming issue and resolved the billing matter.

Thank you Kayle! Wishing you a Happy New Years! We are so happy to have your support and it has been a pleasure serving you over that years!

Thank you, Garry! We are so glad Dawn could help get your windshield replaced quickly! Thank you for your support of our local business!

Thank you, Deb! We Really appreciate your support of our local office!

Allison, I am sorry that your claim situation was not as expected. Legally, bound by the contract of the policy, claims cannot be paid for coverages that a customer did not purchase. No agent can retroactively go back and add coverage that a client has not been paying for after a claim occurs (unless there is proof of a mistake made by the agency). Coverage considered during a claim must be in effect (and paid) prior to a loss occurring. After my hours of researching your situation and talking with you on the phone, and trying to look for any option to help you, it is unfair to claim a lack of follow through. There are legal regulations in place that I (or any agent) just can’t break no matter how much we sympathize with your position. As a courtesy reminder to all persons, everywhere, please always review the Declarations page of all of your policies, every time the insurance company sends them (every renewal). If you don’t see a coverage on that page, then you probably are not paying for it, and therefore don’t have it. If you intend to purchase additional coverage, be sure to get a receipt and documentation of what you purchase. I am sorry to hear that you have requested to have your policies administered by another State Farm Agent. I have appreciated your business over the many years, and genuinely wish you the absolute best in the future. If there is anything I can do you to help you down the road, please don’t hesitate to ask.

Thank you, Steve! It's an honor to help you and your family, and I am glad we got your claim "all worked out"!