State Farm
State Farm NAIC 43419 national
Regulatory complaint index
0.62
Good below 1.0 = fewer complaints than market avg
Source: NAIC national complaint data
AM Best rating
A++
Financial strength rating
Source: ambest.com
DenialAI user metrics
Coming soon
Publishes when 5+ DenialAI claims processed
Source: coming soon from DenialAI users
Common denial language and counters
Their language
“wear and tear, deterioration, or aging”
Counter
Wear-and-tear exclusions do not apply where the proximate cause of damage is a covered peril. Provide weather data (NOAA Storm Events / NWS reports) for the date of loss showing wind/hail exceeding manufacturer thresholds.
State unfair-claims-practices statute
Their language
“cosmetic damage only”
Counter
Courts and insurance departments across the country reject 'cosmetic-only' denials where the damage compromises the integrity, weather-tightness, or remaining useful life of the building component.
State insurance department matching guidance
Insurers often write through a state-specific legal entity rather than the national mutual. Check your declarations page to confirm the exact writing entity.
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