You’ve heard the jingle for years, ‘Like a good neighbor State Farm is there.’
A Peoria man said his situation with the insurance company is anything but friendly, and the situation has been going on for weeks.
Michael Droste said he was watching t.v. with his dog Ella when he heard a noise.
“All of a sudden in the course of 2-3 seconds I heard popping sounds, like someone had taken firecrackers and thrown them in the living room. It just went pop, pop, pop, pop, pop, then crashing sounds and it just came down that fast,” said Droste.
He walked into his recording studio to find drywall and insulation on the floor, recording equipment covered, lamp shades knocked off, and plastic hanging by a thread.
“I couldn’t believe that the ceiling had fallen unexpectedly.”
Droste moved into his house in November.
He painted and had the floors redone, but says he never touched the ceiling.
This happened June 23rd and Droste said it took 5 days for State Farm to send someone out.
“And then when the inspector came he said ‘I’m sorry, I don’t approve this, we can’t fix this, you’re on your own.’ I couldn’t believe it.”
Service Master cleaned up the mess, that cost Droste $850.
It took more than 12 garbage bags to get everything out of the 16×20 room.
When Jessica Cook visited Droste’s home, insulation was still falling from the ceiling.
A leg off his table broke, his computer locked in place, a wall outlet was shattered, and his Roomba ruined.
His drone is also unable to take to the sky.
When you look at what used to be Droste’s ceiling, it’s nothing but the structure.
Luckily the framework stayed put.
“‘Like a good neighbor, State Farm is there.’ Well they’re not even being a good neighbor, they’re being a bad neighbor. Not very nice and they really need to rectify the situation. I’m very upset that it’s come to this level and I even had to reach out to the media.”
Droste said he believes the damage was caused by mother nature.
“There’s a vent up here and it’s vented to the outside of the house and I think all the extra insulation up there absorbed the water from all the rain and got heavy and caused it to break.”
Jessica Cook asked a State Farm spokesperson about Droste’s situation.
Here’s the full statement:
“While I am unable to speak to the specifics of this claim due to customer privacy reasons, I can share that we have reviewed the claim and are communicating with our customer. If our customer has additional questions, he is encouraged to reach out to his Claims Specialist.
I can share, in general, that when a claim is presented to State Farm we thoroughly investigate the loss. Understanding the cause of the damage is important to the claim process in order to identify available coverage under a customer’s policy.
Each claim circumstance is unique and we work with our customers to understand the facts of the loss, identify applicable coverage, and resolve their claim. A final decision on a claim is determined by the facts of the loss and the results of the investigation.”
Droste said he wants State Farm to cover the cost of cleanup, repairs, and belongings that were destroyed.
That bill would be more than $30,000.
He said he’s thinking about switching insurance companies.
Droste told Jessica Cook that State Farm told him collapse is covered in his policy, but not this type of collapse.
The company cited poor workmanship.
Since Jessica Cook reached out to State Farm, Droste told her the company sent a third party structural engineer to his house and they are still investigating.
This story will be updated.