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Patrick Marsden - State Farm Insurance Agent

3.7 (3 reviews)
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Ask the Community - Patrick Marsden - State Farm Insurance Agent

Rural Mutual Insurance Company

Rural Mutual Insurance Company

(10 reviews)

They frequently deny claims based on misleading information and bring in lower-tier engineering…read morefirms to present so-called "expert" opinions intended to pressure you into backing down. After the adjuster initially denied the claim, I was eventually able to get them to send an engineer out by completing a survey outlining my concerns. They denied the claim again, this time stating there was no hail damage at all. After pushing further, I was able to get a second engineer to inspect the property. That engineer acknowledged hail damage on the fascia and gutters, but claimed the marks on the roof were not hail-related, writing: "These are the result of aggressive evaluation by others, not hail." They then invoked the appraisal clause. After consulting with a public adjuster, it became clear that pursuing the appraisal process would likely cost more than it was worth financially. In effect, the process left me with little practical choice but to walk away. I do not recommend Rural Mutual for any services.

After 320 days the 2nd adjuster stated my claim for storm damages for $25,000. I was told that $600…read morewas what they would pay. The 1st adjuster called me 39 days after the storm. He wanted to know if I had pictures? I found out he lives in the same county. Really? You couldn't drag your ass over here? Didn't hear from him again until 6 months later after I sent a nasty text to him. They are trying to cover up by saying that I had the roof replace before I filed my claim. FALSE!

Patrick Marsden - State Farm Insurance Agent - homeinsurance - Updated May 2026

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