Complaints

This profile includes complaints for Missouri Farm Bureau's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Missouri Farm Bureau

  701 S Country Club Dr Jefferson Cty, MO 65109-4571

• 

  Missouri Farm Bureau

  1050 E Veterans Memorial Pkwy Warrenton, MO 63383-1362

• 

  Missouri Farm Bureau

  2032 E Kearney St Springfield, MO 65803-4610

• 

  Missouri Farm Bureau

  PO Box 710 1122 Lynn Lebanon, MO 65536-0710

• 

  Missouri Farm Bureau

  3343 N Highway 67 Florissant, MO 63033-1604

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:04/03/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  We had to file a claim with Farm Bureau our insurance company on 11/3/2024 we had received our fist check from them and noticed that our deductible had been taking out of this check which is what they are suppose to do, we had some final bills with our contractor which exceeded the first amount of the check they sent us so we were hoping to receive what they call the total recoverable depreciation check for the full amount but the insurance claims *** refigured the amounts wrong and took out our deductible again I have been trying to reach out to them about this situation but they will not return my calls I have also tried emails reached out to her supervisor ****** ********* but no one will call or work with us to try to resolve this, I have been trying since the first of March for help on this. I am hoping I can get some help here I feel like they are trying to take us for the rest of the money when it could be resolved so easily

  Business Response

  Date: 04/14/2025

  Missouri Farm Bureau's adjuster has emailed our insured regarding the deductible and their recoverable depreciation.  The adjuster's email to our insured breaks down the payments, verifying the deductible was only taken once.  

  Customer Answer

  Date: 04/15/2025

  Complaint: 23156378
  
  I have reviewed the business' response and am rejecting it because: yes the claim adjuster ***** ***** did send us and email which I have attached to this reject and if you look at her totals for what Farm Bureau was allowing us to receive in the beginning it does not add up, because she is adding the two invoices from our contractor which totals $13515.49 and Farm Bureau allowed $16847.85 for replacement cost value then they subtract the recoverable amount of $5301.68 which totals $11546.17 and then they subtracted the deductible of $1200.00 which then the net claim amount is $10346.17 but ***** ***** subtracted a check for $960.00 from that amount which we did receive and the check was for $9386.17 for our first payment to go towards the invoices from our contractor.  I have attached also that document from Farm Bureau the Summary of Dwelling the amount that we should be receiving all together is $14687.85 but she is only giving us $13515.49 minus the first check of $9386.17 which leaves us with $4129.32 minus the deductible again which only left us with $2929.32, I am still disagreeing with her because it still doesn't add up ****** I would like to pursue further on with this claim, she is clearly figuring this wrong because we have had a previous claim with Farm Bureau and did not have this problem the adjuster did everything correct as far as deducting the deductible and figuring the correct amounts.  I wish someone from there would reach out to us and at least listen to us also and not just sweep us under the carpet.  I also want to add the we tried to have our insurance agent ***** Love help us out but that fell through also she would not call us back or even help us or hear our side to it.

  
  
  
  
  Sincerely,
  
  ***** *******

  Business Response

  Date: 04/18/2025

  adjuster has emailed insured.  amounts are still pending.

  Customer Answer

  Date: 04/24/2025

  Complaint: 23156378
  
  I have reviewed the business' response and am rejecting it because: The adjuster ***** ***** emailed us the same email as last time which is still giving the wrong amounts that should be paid to us but for some reason in this email she states that there is a remaining depreciation amount of $2372.26 so I am wondering where this amount is coming from probably because she is doing her math wrong and only going by the 2 invoices that we have sent over from our contractor which is still wrong, so that is one reason I am rejecting this again another reason I am tired of emails we tried this back in March when we emailed them invoices but they never responded so I would like a supervisor to get involved because she is not willing to resolve this the correct way.  So it would be great if a supervisor would get involved and I would like to be reached out to with a phone call to discuss this.  I have also attached an Excel spreadsheet where I put all of the amounts from the beginning till now, and also our contractor is now charging us interest each month it is late.

  
  
  
  
  Sincerely,
  
  ***** *******

  Customer Answer

  Date: 04/24/2025

  No I don't agree with this outcome I don't see where the business has shown anything to work with us they only delivered 2 emails which were already sent to us twice not once did they ever reach out to us which is what I thought you the BBB would help us with but it's obvious your going with the big company and us the consumer the little guy gets screwed like always, I am very disappointed with the BBB.

  Thanks but no thanks

  Dissatisfied customer

  Business Response

  Date: 04/29/2025

  A completed breakdown for payments and invoices was emailed to the insured on April ******.

  Customer Answer

  Date: 04/29/2025

  Complaint: 23156378
  
  I have reviewed the business' response and am rejecting it because: Because I have already rejected this email and like I said in my last reject the adjuster ***** ***** keeps repeating herself in her emails and the way she is doing it is totally wrong yes we sent invoices to the insurance company and they were more than enough to get out full payment that was owed to us but again her break down shows the money totally different then what we should be receiving so I am done with this the only way I will ever except what the insurance owes us is if I would receive a phone call from the supervisor ****** ********* but that will never happen because they don't want to pay what is actually owed to us.  So I will never recommend this insurance company to anyone.  
  
  
  
  
  ***** *******

  Customer Answer

  Date: 04/29/2025

  I don't understand why the BBB is still reaching out to us the other day I received an email stating they were closing the case and the BBB felt like Fame Bureau did everything they needed to do so why is the BBB still emailing me on this Farm Bureau is never going to see the correct way of processing this correctly and I will say one thing and BBB is not going to like this but the adjuster ***** ***** is very rude and does not know what she is doing and doesn't care about the customer. 

  ***** *******

  Customer Answer

  Date: 04/29/2025

  Complaint: 23156378
  
  I have reviewed the business' response and am rejecting it because:  I am going to reject this every time I don't know how many times I have to respond the business is wrong and yes they sent an email and like I said it is all wrong, I wish this would end because Farm Bureau is not going to change. 

  
  
  
  
  Dissatisfied customer
  
  ***** *******

• Initial Complaint

  Date:02/25/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Missouri Farm Bureau Insurance. We filed a claim last fall [fall 2024]. No one has helped us, come out to see hose or send us any information until I started yelling about it this month[February 2025]. I have talk to two claims specialist who state they were told not to do anything or that they will call and never do. I have talked to the Supervisor with the same result. And have tried to call the complaint department [**** ****** ************] leaving 4 messages with no return call.

  Business Response

  Date: 02/26/2025

  In November Ms. ******** ******* filed a claim under her Missouri Farm Bureau Town & Country Insurance Protector Policy for water damage to her home. Missouri Farm Bureaus adjuster inspected the property and advised ********** she would need to complete a proof of loss and submit an affidavit of repairman to us for review and consideration.  ********** has recently submitted her proof of loss, but it has been rejected as it was incomplete.  These forms were sent back to Ms. ******* for completion.  Missouri Farm Bureau has been in contact with Ms. ******* about this matter, and we made her aware these documents need to be completed before we can give her claim any further consideration. 

  Customer Answer

  Date: 02/27/2025

   

   

   

   

  Hello,
  
  Proof of loss not approved because it's be altered. You will need to complete a new document and fill in the correct policy information and get it notarized.
  
  Thanks 
  
  -----Original Message-----
  From: ****************************** <******************************> 
  Sent: Wednesday, February 26, 2025 9:38 AM
  To: *****, ***** <**************************************>; ********************** *************************************
  Cc: ********, ***** <********************************************>; MFB Event Log Production <****************************>
  Subject: Re: Claim-PRO ***********
  
  EXTERNAL EMAIL: This email originated from outside of the organization. Do not click links or open attachments unless you recognize the sender and know the content is safe.
  
  
  (See attached file: ****** Declaration  Effective 4 8 2024 - Insured Insured.pdf)(See attached file: [Untitled].pdf)
  
  ******** A. *******
  Accountant II: Court ******************************** of State Courts Administrator
  Phone: **************| Fax: ************** ******************************
  
  
  
  
  From:   "*****, *****" <**************************************>
  To:     "******************************"
              <******************************>
  Cc:     "********, *****" <********************************************>, "MFB Event Log
              Production" <****************************>
  Date:   02/26/2025 09:15 AM
  Subject:        Claim-PRO ***********
  
  
  
  Hello,
  
  The provided Proof of Loss document you provided is not accepted due to having incorrect policy information. Attached is a copy of your declaration that indicates you have an actual cash value policy replacement.
  
  Thanks
  
  -----Original Message-----
  From: ****************************** <******************************>
  Sent: Tuesday, February 25, 2025 4:29 PM
  To: *****, ***** <**************************************>; ***************************** ******************************
  Cc: ********, ***** <********************************************>; MFB Event Log Production <****************************>
  Subject: Re: Claim-PRO ***********
  
  EXTERNAL EMAIL: This email originated from outside of the organization. Do not click links or open attachments unless you recognize the sender and know the content is safe.
  
  
  (See attached file: ***** Mo.pdf)
  
  ******** A. *******
  
  Phone: **************| Fax: ************** ******************************
  
  
  
  
  From:   "*****, *****" <**************************************>
  To:     "******************************"
              <******************************>, "MFB Event Log Production"
              <****************************>, "********, *****"
              <********************************************>
  Cc:     "MFB Event Log Production" <****************************>
  Date:   02/25/2025 04:05 PM
  Subject:        Claim-PRO ***********
  
  
  
  Hello,
  
  The attached Proof of Loss document you provided is not accepted due to having incorrect policy information. Attached is a copy of your declaration that indicates you have an actual cash value policy replacement.
  
  Thanks
  
  -----Original Message-----
  From: ****************************** <******************************>
  Sent: Tuesday, February 25, 2025 1:33 PM
  To: *****, ***** <**************************************>; ***************************** ********************** MFB Event Log Production <****************************>; ********, ***** <********************************************>
  Subject: Re: Claim-PRO ***********
  Importance: High
  
  EXTERNAL EMAIL: This email originated from outside of the organization. Do not click links or open attachments unless you recognize the sender and know the content is safe.
  
  
  (See attached file: [Untitled].pdf) [signed and notarized.
  
  
  
  ******** A. *******
  
  
  Phone: **************| Fax: ************** ******************************
  
  
  
  
  From:   ******** *******/OSCA/Courts/Judicial
  To:     "*****, *****" <**************************************>,
              *************************************
  Cc:     *********************** <******************************>, "MFB Event Log
              Production" <****************************>
  Date:   02/10/2025 03:31 PM
  Subject:        Re: Claim-PRO ***********
  
  
  There has been no repair person assigned to this for me to fill out that form. I am not going to falsify documentation. We need someone sent out that can give us those numbers.
  
  ******** A. *******
  Phone: **************| Fax: ************** ******************************
  
  
  
  
  
  From:   "*****, *****" <**************************************>
  To:     "******************************"
              <******************************>
  Cc:     "MFB Event Log Production" <****************************>,
              *********************** <******************************>
  Date:   02/10/2025 01:56 PM
  Subject:        Claim-PRO ***********
  
  
  
  Hello,
  
  The documentation you provided is not acceptable. All pages must be completed and the proof of loss will need to be notarized.
  
  
  -----Original Message-----
  From: ****************************** <******************************>
  Sent: Monday, February 10, 2025 1:50 PM
  To: *****, ***** <**************************************>
  Cc: MFB Event Log Production <****************************>; ******************************
  Subject: Re: Claim-PRO ***********
  Importance: High
  
  EXTERNAL EMAIL: This email originated from outside of the organization. Do not click links or open attachments unless you recognize the sender and know the content is safe.
  
  
  Good afternoon *****,
  I filled out the information as best I could with information I have on hand. Generally::
  ******** A ******* :: ***************************** I have held the same policy with Farmer B. for 20 years. Most information should be current.
  
  [note:: our new address is *********************************************************************] [the residents of ************ are the rent -to- own, they have renter Ins and we still pay mortgage and cover insurance]
  
  In addition, I work at OSCA right across the HWY from Farm B. so if we need to have a meeting, please let me know. The longer this is taking, the damage is getting worse. The new residents have three children and a mother living with them, please send someone to the house so it can be repaired.
  
  J *******
  
  
  (See attached file: Sworn Statement Proof of Loss.pdf)- completed [with information available]
  
  (See attached file: AFFIDAVIT OF REPAIRPERSON.pdf)- for inspector (See attached file: 45 Day Letter.pdf)- Acknowledged (See attached file: POL
  Letter.pdf)- Will not open
  
  
  
  
  ******** A. *******
  Accountant II: Court ******************************** of State Courts Administrator
  Phone: **************| Fax: ************** ******************************
  
  
  
  
  From:   "*****, *****" <**************************************>
  To:     "**********************************************************"
              <**********************************************************>
  Cc:     "MFB Event Log Production" <****************************>
  Date:   02/10/2025 01:08 PM
  Subject:        Claim-PRO ***********
  
  
  
  Hello,
  
  I hope this email finds you well. I am reaching out to request documentation necessary to file a water claim. To ensure a smooth and efficient claims process, we kindly ask that you provide the following
  documentation:
  
        ** Additional Documentation**: Attached you will find the additional
        documentation required to process your claim. Please complete the
        attached documentation.
              Affidavit of Repair person
              Proof Of Loss
  
  Please ensure that all documentation provided is accurate and complete to the best of your knowledge. If you have any questions or require assistance in gathering the required documentation, please do not hesitate to contact me. Your cooperation in providing the necessary documentation is greatly appreciated and will help expedite the processing of your claim.
  
  Thank you,
  ***** *****
  
  
  From: *****, ***** <**************************************>
  Sent: Friday, January 24, 2025 3:33 PM
  To: ******************************* *************************************
  Cc: MFB Event Log Production <****************************>
  Subject: Claim-PRO ***********
  
  Hello,
  
  I hope this email finds you well. I am reaching out to request documentation necessary to file a water claim. To ensure a smooth and efficient claims process, we kindly ask that you provide the following
  documentation:
  
        ** Additional Documentation**: Attached you will find the additional
        documentation required to process your claim. Please complete the
        attached documentation.
              Affidavit of Repair person
              Proof Of Loss
  
  Please ensure that all documentation provided is accurate and complete to the best of your knowledge. If you have any questions or require assistance in gathering the required documentation, please do not hesitate to contact me. Your cooperation in providing the necessary documentation is greatly appreciated and will help expedite the processing of your claim.
  
  Thank you,
  ***** *****
  
  
  (Embedded image moved to file: pic00792.jpg) ***** ***** | Claims Representative | *********** Farm Bureau
  ************************************** | Ph: ************ CONFIDENTIALITY
  NOTICE: This communication, including any attachments, is intended only for the use of the individual or entity to which it is addressed and contains information which may be confidential. If you are not the intended recipient, any distribution or copying of this communication is strictly prohibited. If you have received this communication in error, notify the sender immediately, delete the communication and destroy all copies.
   (See attached file: AFFIDAVIT OF REPAIRPERSON.pdf)(See attached file:
  Sworn Statement Proof of Loss.pdf)(See attached file: 45 Day Letter.pdf) (See attached file: ******************** attached file: Sworn Statement Proof of Loss.pdf)(See attached file:
  AFFIDAVIT OF REPAIRPERSON.pdf)
  
  (See attached file: [Untitled].pdf)(See attached file: ****** Declaration Effective 4 8 2024 - Insured Insured.pdf)

  Business Response

  Date: 02/28/2025

  Hello,
  
  The attached proof of loss cannot be accepted because it does not include the correct policy information. Your policy provides $100,000 limit in actual cash value coverage.
  
  Additionally, you have listed two separate causes of loss. If both apply, you will need to submit a new claim and provide a separate proof of loss documents for each. Please contact your agent for assistance.
  
  Thanks 
  

  Customer Answer

  Date: 02/28/2025

  Complaint: 22988795
  
  I have reviewed the business' response and am rejecting it because:
  
  For ease of use, and reduction of cost, please tell me everything I need to fix in one go, like I mentioned in the email I have sent to you. Furthermore, I have tried repeatedly to reach out to my agent and various other agents that I have been told via **** to reach out to, and no one would reach back to me. Adra, for example, who is ****** direct supervisor, I tried to speak with her but was going to a meeting and I have not heard from her. This is when I spoke with ******* whom physically went over to ****** desk and said I had to talk to someone else. Then they want me to talk to *****, whom has never been apart of the filing either. I keep getting passed around, and they wont send me to supervisors, just other coworkers to get me off the phone (I am guessing that being the case at this point). I would be happy to work out anything and help get this filed appropriately, but I need assistance with the right person. The amount it  has cost me and my time for work to get this corrected over a leak, a very minor thing. The one I am supposed to speak with is a person named *****, but a.)  she was told by **** ****** to not work with me and b.) when I called ***** back and she told me that **** said that I do not like her, which was never said by me in any way. They think I am not willing to deal with *****, but that's not the case, I'm not in lake of the ******. **** is literally refusing to speak to me and the person they want me to speak to they are instructing that they do not talk to me, I have tried this route. 
  
  Sincerely,
  
  ******** *******

  Business Response

  Date: 02/28/2025

  Ms. ******** has contacted our office numerous times regarding this loss, requesting to speak with myself about this matter.  I am not the adjuster assigned to this loss, and the adjuster who is working her claim has requested specific information be submitted to give her claim consideration.  The adjuster assigned to her claim, ***** *****, has been in contact with Ms. ******* today (2-28-2025) advising what needs to be completed.  ****************** have further questions, she will need to contact the adjuster assigned to her claim.

• Initial Complaint

  Date:02/25/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  11 24 24 accident Corriie ******** was on vacation when this accident was assigned to her I made multiple phone calls reaching out to her she never made contact with me for over a month when I did speak to her she said she was sending me fax information which I faxed back twice because she said she didn't get it the first time I asked her to stop corresponding through email that she needs to phone call me she still proceeded to email she said she sent off request for billing information to be released a couple months later I'm still going back and forth with her about what is going on with the case she became very rude she refuses to want to help me to give me a call back I continuously call her we're looking at over 3 months now and I still have no response in the matter I called today about my own billing from the hospital and which have been paid back in December 20th so I'm not sure why this is taking so long or what she's even doing I'm doing her job for her and she's very rude does not call me back and does not want to provide any information on the case I need this to be resolved and I'm not getting anywhere with the company I'm highly disappointed

  Business Response

  Date: 02/26/2025

  In November Ms. ****** ***** was involved in a motor vehicle accident with Missouri Farm Bureaus insured.  As a result of this accident, she advised she would be making a bodily injury claim against our insureds policy.  Missouri Farm Bureau has requested her medical records and bills form the healthcare provider she sought treatment at, but we have not received the necessary documents to properly evaluate Ms. ****** bodily injury claim.
  
  Ms. ***** claims she has spoken with the healthcare provider, and further claims they informed her that her bills have been paid.  She is welcome to provide us with all the necessary medical documents we have requested from her healthcare provider for review and consideration.  Missouri Farm Bureau has updated Ms. ***** regarding her claim, and until we receive the necessary information,we will not be able to give her claim any consideration.

• Initial Complaint

  Date:02/19/2025

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was going to switch insurance from State Farm to Farm Bureau and they enrolled into the progressive insurance. They charge me $30 member charge that wasn&#**;t explain to me. They wanted my saving account number to automatic withdrawn from the account.. Progressive wouldn&#**;t take out the amount $496.80 out saving account it had to be a debit or credit account. Since they couldn&#**;t take out the $496.80 out of the saving account they wanted to charge me another $72.45 to reinstate the policy. I had to give them my daughter debit card and they charge $496.80 plus $72.45. I called Mr. ************ and he told me that send me a check for the $30.00 membership charge. ***************** also told me they would refund $52.58 for the cabin and $344.40 for cars. This isn&#**;t the total refund due back to me they keeping $90.00 that is due back to me. We talked on Feb 12 and policy was suppose to go into effect 2-15-25. The policy or procedures wasn&#**;t explained to me in detail. I want the amount of $90.00 refund back you.

  Business Response

  Date: 02/24/2025

  Because the insured cancelled their policy,  Progessive's has a 10% fee that they charge.  Farm Bureau has no control over any independent companies.

  Please see the attached document concerning the policy.  Any concerns that the insureds still have will have to be directly with Progessive's.

• Initial Complaint

  Date:02/18/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I submitted a claim for property damage in November 2024 and have not heard back from the insurance company. I have been calling for an update and have requested a letter or some correspondence stating why I have not been updated on my claim but I keep getting the run around. I need to know the outcome of my claim as soon as possible. I have already had someone come out to assess the damages and the police report has been completed.

  Business Response

  Date: 02/24/2025

  Ms. ******* had filed a claim with Missouri Farm Bureau for damages to her property.  Throughout the claim process Missouri Farm Bureau has been in contact with Ms. ************** To assure she is aware of our determination we will contact her again.  

   

  Thank you,

• Initial Complaint

  Date:11/16/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I had car insurance with Missouri farm bureau. I was rear ended by another person, who had progressive insurance and admitted fault. . I tried calling the office at farm bureau to ask a question but no answer. I called the claim hotline so I could ask if I needed to give Missouri farm bureau any info since other driver admitted fault. Farm bureau later called me asking if I wanted to use my med pay, I was confused about it, so they sent paperwork and when I received it I called farm bureau and told them I didnt need to use anything from my insurance company because the other insurance company of driver that hit me was at fault. I find out almost a year later . When I changed insurance that Missouri farm bureau had opened a claim, but listed it as a non payment and a no fault. I am receiving a negative result on a consumer report and its making my new rate higher. I never asked anyone to open a claim, and now they refuse to remove it..I called them and told my experience and they still refused.

  Business Response

  Date: 11/25/2024

  Ms. ***** ****** has written to your office claiming she did not wish to file a claim for an accident she was involved in.  Missouri Farm Bureau investigated this matter and confirmed Ms. ****** did contact our ****************** and reported this accident to them.  Missouri Farm Bureau will not delete/remove this claim, as the accident did occur and she did report this to us as a claim.
  
  Thank you,

• Initial Complaint

  Date:11/05/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  An agent with MO Farm Bureau backed out after being illegally parked in a handicap place and hit my moving vehicle. He bullied me and tried to get me to go to his rental house to "handle the details" instead of calling the police. I called the police and got a report. Then the claim process began. After being passed around to 3 adjusters, I finally found out my claim had been sourced to a 3rd party. ******* has not done her job. She has not communicated with the body shop and an incorrect estimate was written bc of it. She also let my rental car expire before my vehicle was ready and Enterprise said I have to pay it out of pocket. The lack off communication and the refusal to actually do her job have caused so much frustration and now it is costing me money. I have left messages for her and also for **** S who was initially handling this claim. Everyone who works for Missouri Farm Bureau has behaved extremely unprofessional and downright shady. I hope I never have to deal with anyone affiliated with this company again. My accident was on August 24 and I am still dealing with this because of zero communication.

  Business Response

  Date: 11/08/2024

  In response to Ms. ****** ******* complaint to your office, she claims Missouri Farm Bureaus adjuster has not been in communication with her during the claim process.  Payment for the damages to Ms. ******* vehicle had already been sent to her body shop.  We have advised her shop should they have a supplement they are to their documentation to us for review and consideration.  Please note, at one time during Ms. ****** was represented by an attorney, and all communication was to go through their office.  After working with her attorney, they elected to no longer represent her for this loss.  Missouri Farm Bureau will continue to work with Ms. ****** on any additional issues she has regarding her claim, and we encourage her to contact us if she has any questions or concerns.

• Initial Complaint

  Date:07/16/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I provided screenshots of my bank statements involving them. They should have stopped last year, when they kicked us off of our insurance and supposedly cancelled our membership. It has been a repeating bill of $19.00 monthly since, but every attempt to get my bank to assist has failed. It has been cancelled now? But I only recently found out how long it had been active for, and they have even sent my account into the negatives twice now, last month and this month. Now, I want the year's worth of money they weren't supposed to have, due to their own actions, and I won't be requesting compensation for the overdraft fees. I don't wish to make this a big legal matter, I just want my money back.

  Business Response

  Date: 07/17/2024

  Insureds Auto policy had been cancelled and no premiums had been paid after that.  Insured still had an active Life policy that he had not cancelled and was still being paid for.  Insured ****** did talk to a member of Life yesterday and cancelled the Life policy and a refund of one monthly payment of $19.00 will be refunded.

• Initial Complaint

  Date:07/15/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  In April, 2024 we had shingles blow off the roof of one of the our eleven buildings. We filed a claim in early May. We got no feedback on the claim so I called the company. They gave me the adjuster's name and phone #. I called him three times and left a voicemail message. I received no calls back from him. I then called the company again and spoke to his supervisor. He assured me that he would follow up. I have not heard back from him after leaving two voicemails. In the meantime I have contracted to have the roof repaired but cannot until I'm told the results of the claim. I don't know that the roof has even been looked. This claim has been dragging on for two and a half months.

  Business Response

  Date: 07/15/2024

  We will need more information.  I cannot find a claim for the insured.  The insured might reach out to his agent or call our call center to report the claim.

  Customer Answer

  Date: 07/16/2024

  I want a response, answer, from MO Farm Bureau for the insurance claim that I submitted so that I can proceed in having my contractor replace the roof.

  Customer Answer

  Date: 07/17/2024

  My claim number is CPP2024-342257. The original adjuster was named ***************************** and his supervisor is ******. 

  Business Response

  Date: 07/23/2024

  Missouri Farm Bureau inspected our insureds property in June of this year.  Shortly after our insured Missouri Farm Bureau sent a letter to our insured advising of our inspection results.  As well our adjuster left them a message in beginning of July about their claim.  We will resend our letter outlining our findings to our insured.

  Thank you,

• Initial Complaint

  Date:06/13/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  From 2-14-24, I called our local MOFB in ***. Grove, ***, to get answers to questions I had, w/regard to everything from WHY the Dodge truck ins. is now ~ $90.00 MORE than last time (we've had NO claims on it, whatsoever)! The office girl said it was a "company-wide policy"; it is a % formula; & will LIKELY APPLY TO EVERY POLICY WE HAVE! If we only insured 2-3 items, the increase would STILL be unreasonable...however, we've insured EVERYTHING w/MOFB for ~25 yrs: that included 2 farms for MOST of those yrs.; 2 homes; several farm bldgs.; 3-4 trailers; & 2-3 vehicles at a time!! We CANNOT afford to be slammed w/increases like that...& there was NO WARNING, WHATSOEVER: NO E-Mail/phone call/letter from MOFB saying this was happening &, even worse, our agent (*************************) NEVER gave us a "heads up" about it!! So, we took ALL of our business (except for 1 policy on our NEW home) away from MOFB & went w/another ins. ***** In settling up our refunds, MOFB did NOT provide the ************** as to how they arrived at each amount...AS REQUESTED!! Very unexpectedly, we received a CANCELLATION letter on the NEW home, which WRONGLY blamed 3 ins. claims on IT, & perpetuated several ERRORS, LIES & MISREPRESENTATIONS which MOST LIKELY will affect the **** of refunds owed to us!!! NOW, WE HAVE NO INSURANCE ON OUR HOME!! Now, I'm holding 2 UNCASHED checks (1 on GARAGE roof & 1 on HOUSE roof) because they were estimated using INCOMPLETE & INCORRECT figures, & LEFT OUT critical items as covered in MANUFACTURER'S INSTRUCTIONS for installing shingles!!! All THIS has to be straightened out, but our ************** DO NOT return calls/E-Mails/or address these issues for MANY DAYS to WEEKS to MONTHS!!! I am now sending FORMAL COMPLAINTS to various individuals directly concerned, including departments or ************************ tasked w/assisting customers (incl. senior citizens) in resolving these long-standing issues!!!

  Business Response

  Date: 06/20/2024

  Claims:
  With regards to Mr. and Mrs. ******* claims, Missouri Farm Bureau prepared an itemized estimate for each loss.  A portion for one of the claims was not covered, and a detailed partial denial letter was sent explaining why we could not consider that area of the loss. Missouri Farm Bureau contends all areas of the claims have been addressed, and Mr. and ***************** will need to visit with their previous contractor regarding their displeasure in his workmanship/repairs.
  
  Rate increases:
  No company likes to take rate increases.  However, in order to remain financially sound with ability to pay our customers current and future claims,it has become necessary.  High levels of inflation, high frequency of severe convective storms, increased frequency and severity post the ***** pandemic period downturn have contributed to poor experience necessitating the need for an increase in insurance premiums.  This is a global phenomenon with most insurance carriers having to increase rates to cover expenses. We continue to analyze our rates to be sure that they are adequate and competitive.  We recommend to all customers to complete a full review with your agent to review coverages, deductibles and discounts to make sure that all is accurate.
  
  Refunds:
  If any changes to premium are made mid-term or if the policy is cancelled mid-term, we calculate the premium refund pro-rata based on the length of remaining time in the term.
  We use the following calculation:  Earned premium = Total days policy in effect/365.
  To summarize, we charge you appropriately for the coverage that you had in force for each specific period of time.
  
  Reasons for non-renewal of property policy PRO0581712:
  We have reviewed the non-renewal decision for your property.  The claims and construction concerns listed on your non-renewal letter are accurate. The letter advising of non-renewal was mailed consistent with our practice and provided you with the appropriate amount of notice prior to your renewal. Unfortunately, due to the reasons listed on your letter, we cannot continue to insure your property.
  
  County/acreage concern:
  We did have your policy PRO0581712 rated incorrectly regarding the county.  However, the county that your policy was rated for actually had a lower premium so no refund for the county is owed. Regarding acreage, we assess a charge by acreage ranges.  The rate for 69 acres and 80 acres is the same as it falls in the same range.  So, there would be no difference in premium there either.
  

  Customer Answer

  Date: 06/20/2024

  Complaint: **842976
  
  I am rejecting this response because:  H36303**335303**432H DID NOT address ALL the issues in the attached document!!!  For example, their comments about raising rates WITHOUT prior notice to a long-time customer is ABSOLUTELY NOT satisfactory!!!  No explanation was made whether it was for 1 item on the policy...or for every single, solitary item insured on every single solitary policy!!!  No explanation was given for how they arrived at the figure they did!!!  These are only a COUPLE of the PROBLEMS with their attitude about answering questions!!!  They need to go back and READ everything!!!!!  Paragraph #2 was similarly NOT answered; so was #3; #6; #7; #8; #9; #**; #**; #**; #**; #**; #**; #**; #**; #**; #**; #**; #**; #**; #**; #**; & #**!!!!!!!  Finally, on page 6 of my documentation, they FAILED to address the 3 paragraphs listed...which shows their total LACK OF UNDERSTANDING or CARE ABOUT HOW A GOOD CUSTOMER SHOULD NOT BE TREATED!!!!!!!!!!!!!  They LOST ALL OF OUR BUSINESS, and my complaint will be forwarded to EVERY SINGLE DEPARTMENT, AGENCY, WHATEVER... UNTIL THEY SEE FIT TO ANSWER QUESTIONS LIKE A RESPONSIBLE BUSINESS AND CORRECT THE ERRORS MADE...AND RE-DO THE ESTIMATES (BOTH OF THEM!!!!!), USING THE CORRECT MEASUREMENTS!!!!!!!!!!!!!!!!!!!!!!!!!!!!!  BOTTOM LINE:  THEY DID NOT USE ACCURATE MEASUREMENTS ON EITHER THE GARAGE OR HOUSE ROOF(S)...IN ADDITION TO NOT INCLUDING THE ***** ROOF!!!!!!!!!!!!!!!!!  IF THEY ARE ADULTS AND CAN READ, WRITE AND CALCULATE, THAT SHOULDN'T BE IMPOSSIBLE TO DO!!!!!!!!!!!!!!!!!!!!  THEY CAN COME BACK OUT AND MEASURE EVERYTHING AGAIN, AND START OVER!!!!!!!!!!!!!!!!!!!!!!!!

  Sincerely,
  
  ***********************

  Business Response

  Date: 06/21/2024

  Missouri Farm Bureau stands by our handling of the claims, and underwriting of this policy and will not change our position.  We will prepare a detailed letter for our insured.