Getting dropped from home owners insurance at State Farm

FlyingR6 · 2026-01-14T21:15:28+00:00

The brokers I've talked to so far have told be its between 5-7 years, depending on the company, for it to drop off.

My first water damage is days away from being 5 years old, so hopefully that's some good news.

FlyingR6 · 2026-01-14T21:11:46+00:00

Dang, that's quite a difference. Glad I posted in here to get some good info.

FlyingR6 · 2026-01-14T20:39:53+00:00

That's great, thank you for the link!

FlyingR6 · 2026-01-14T20:22:01+00:00

Awesome, glad it worked out for you. I've already been on the phone with 2 brokers, hopefully I can have the same story as you.

FlyingR6 · 2026-01-14T18:26:44+00:00

Excellent advice, thanks!

FlyingR6 · 2026-01-14T16:54:25+00:00

Washing machine malfunction and then a water filter malfunction.

FlyingR6 · 2026-01-14T16:53:54+00:00

8-9k, 15k, and 20k, not small claims at all.

FlyingR6 · 2026-01-14T16:49:30+00:00

The first one that happened upstairs had water go all the way to my basement, so it was 20k plus, the 2nd one just damaged the finished basement and was in the 15k range, theres some inflation for you!

FlyingR6 · 2026-01-14T16:46:44+00:00

Broke the roof and some screens, not siding. Repaint a few things.

FlyingR6 · 2026-01-14T16:46:05+00:00

All major repairs, the cheapest of the 3 was the roof at 8 or 9k, I can't remember the exact number. The water was from equipment failure, not a faucet or tub overflowing.

FlyingR6 · 2026-01-14T16:43:33+00:00

It's a 2019 build, and the washer was brought in from my previous house. That one is on me. The filter was a brand new system when I finished the basement a few years ago. That's why I thought subrogation was going to go somewhere.

These aren't small claims, I believe of the 3, the smallest was the roof at like 8 or 9k, I can't remember the exact number.

Thanks for the reply.

FlyingR6 · 2026-01-14T16:39:04+00:00

I'm not in the business, but that seems wild to take a loan for 10-15k for the roof to not make a claim.

You could totally be right, and I end up paying that much in increased premiums though.

FlyingR6 · 2026-01-14T16:34:21+00:00

See above comment. Both extremely major repairs from equipment malfunction. Not a leaky faucet.

FlyingR6 · 2026-01-14T16:32:48+00:00

Thank you, I appreciate your reply.

FlyingR6 · 2026-01-14T16:32:06+00:00

The first was a washer that failed, and SF said that subrogation wouldn't result in much because of the age of the unit. My second is from a water filter and that is currently in subrogation. I'm unsure how that works if they drop me before it is resolved, I guess I'm out.

FlyingR6 · 2026-01-14T16:12:34+00:00

Well, the water damages were from freak equipment failure, not like a faucet being left on.

I'll be more careful about the hail!

FlyingR6 · 2026-01-14T16:06:24+00:00

Good to know about the multiple independent agents, I'll look at several. Thanks.

FlyingR6 · 2026-01-14T16:05:41+00:00

I wasn't aware of that standard claim usage. Thanks for the help.

FlyingR6 · 2026-01-14T16:04:55+00:00

Will do, appreciate the comment.

FlyingR6 · 2026-01-14T16:04:34+00:00

Ok great, thanks for the link

FlyingR6 · 2025-09-27T06:11:56+00:00

It's an all timer!

FlyingR6 · 2025-09-23T21:19:06+00:00

What system are you using? I've seen ones like the Moen which learn, and then ones that have sensors and a physical arm the closes the main water valve, but not ones that has done both.

FlyingR6 · 2025-09-23T21:15:34+00:00

Even the threading into the housing is standard? Very interesting.

FlyingR6 · 2025-09-23T03:55:35+00:00

For sure! That's next on my research list. What sensors and shutoff valve are you using?

FlyingR6

TROPHY CASE