State Farm Home Insurance Self Assessment—What Can I Expect?

April 17, 2024 11:34 AM

I've just gotten an email from my home insurance provider telling me I'm going to have to do a self assessment and I don't know what to expect. More than a little bit nervous.

Of course all this will be answered when I get the email, but I was wondering if anyone here had gotten a similar email and, if so, what happened? Money is a little bit tight right now, and I'm worried they'll want us to lay out for a new roof or something. Have you been down this road? Thanks in advance to all who answer.

posted by ivanthenotsoterrible to Work & Money (3 answers total)

What state are you in? I have State Farm in California and I've not seen an email like this. Can you verify that the email is legitimate with your insurance agent? While you're at it, maybe discuss your concerns with the agent; that's what the agent is for, after all.
posted by SPrintF at 12:44 PM on April 17 [3 favorites]

I have no idea what a self-assessment would even entail. If you have an agent, I’d give them a call and ask if this is a legit thing. If you don’t have an agent, call State Farm’s customer service line and ask the same of them.
posted by Thorzdad at 4:31 PM on April 17

I had this happen a few months ago, but with USAA.

The self-assessment was just a web-app that walked me through a bunch of questions and then had me take pictures of the house. It was very simple, I was done in maybe 15 minutes.

I don’t expect that you’ll need to lay out any immediate cash, but I would expect your premiums to adjust a bit. This is just a periodic assessment to make sure that you have the “appropriate” amount of coverage.
posted by potent_cyprus at 4:43 PM on April 17 [1 favorite]