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<blockquote data-quote="Chocolate Cow" data-source="post: 1446700" data-attributes="member: 25265"><p>I've been a State Farm customer forever. 10 years ago a neighbor caused a fire on a day we had 60mph winds. I lost all my winter hay supply. In a false sense of security I didn't panic because I had insurance-wrong-I did not because according to my State Farm agent, I didn't have "Hay in the open" listed. I had some sort of blanket farm policy that apparently offered little or no coverage but required a hefty yearly premium to maintain the Agents lifestyle. (hindsight observation)</p><p>3 years ago I had a windmill refurbished. Top to bottom deal. Expensive, but I had water. About a week later a tornado laid it all on the ground. I called State Farm. :lol2: No coverage because I didn't have "Schedule C" on my policy. I made an appointment with the Agent to discuss what was lacking. All I got out of him was I didn't have enough insurance. You betcha. I want more of something that does nothing for me. </p><p>Fast forward--It's been bothering me that I don't have insurance on nearly 2 years worth of stored hay for my cattle. I went back to State Farm because there is a new guy who has bought out the old agent. I filled out all the questions. They took my check and issued me a copy of my policy. Four days later, they call to tell me the Head office has refused my policy because I dropped my original 3 years ago and never got coverage anywhere else. State Farm will not insure my stored hay. I also have to wait for the main office to refund my premium because my check was deposited by the local agent. :bang:</p></blockquote><p></p>
[QUOTE="Chocolate Cow, post: 1446700, member: 25265"] I've been a State Farm customer forever. 10 years ago a neighbor caused a fire on a day we had 60mph winds. I lost all my winter hay supply. In a false sense of security I didn't panic because I had insurance-wrong-I did not because according to my State Farm agent, I didn't have "Hay in the open" listed. I had some sort of blanket farm policy that apparently offered little or no coverage but required a hefty yearly premium to maintain the Agents lifestyle. (hindsight observation) 3 years ago I had a windmill refurbished. Top to bottom deal. Expensive, but I had water. About a week later a tornado laid it all on the ground. I called State Farm. :lol2: No coverage because I didn't have "Schedule C" on my policy. I made an appointment with the Agent to discuss what was lacking. All I got out of him was I didn't have enough insurance. You betcha. I want more of something that does nothing for me. Fast forward--It's been bothering me that I don't have insurance on nearly 2 years worth of stored hay for my cattle. I went back to State Farm because there is a new guy who has bought out the old agent. I filled out all the questions. They took my check and issued me a copy of my policy. Four days later, they call to tell me the Head office has refused my policy because I dropped my original 3 years ago and never got coverage anywhere else. State Farm will not insure my stored hay. I also have to wait for the main office to refund my premium because my check was deposited by the local agent. :bang: [/QUOTE]
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