Q: Can I sue State Farm for taking too long to communicate with us for rental ins claim and giving us wrong advice?
State Farm's rental insurance claim has denied to cover us since we negligently turned off our house heater while going on vacation causing appliance connectors to burst. Explained the situation to local agent who said I would be covered and to go to a hotel and save our receipts for food. At the end of the week he said to get out of the hotel because claims would most likely not cover our costs. By then we ran approximately $2000 in hotel costs. 8 business days after the claim was submitted, State Farm's claims dept finally calls me to confirm they cannot cover my living expenses! If I knew from the get-go, I would not have stayed at a hotel; rather except the offers by my friends to stay at their house for FREE until we could return home.
A: Yes. You can take them to General District Court through a small claim. You may want legal counsel to act as an attorney advisor in teaching you how to prepare and try the matter, but the legal advice could cost a fairly large portion of the amount of your present claim.
A: Your question involves a bad faith insurance issue. I do not handle that type of case. Sorry.
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