State Farm
The largest property and casualty insurer in the United States. State Farm writes a significant share of homeowners policies nationwide and uses a network of captive agents for policy service and claims intake.
Headquarters
Bloomington, Illinois
Claims phone
800-732-5246
Website
www.statefarm.comXactimate
Uses Xactimate for estimates
What State Farm is known for
- Largest homeowners insurer by market share
- Captive agent model with local offices
- Typically uses staff adjusters for initial inspections
Filing a claim with State Farm
Practical tips for restoration professionals working State Farm claims.
State Farm often uses staff adjusters rather than independents for the first inspection. Be prepared with your own documentation before they arrive.
Their estimates frequently come in on the lower end. Have your Xactimate scope ready so you can do a line-by-line comparison.
Supplement requests through their online portal tend to move faster than faxed paperwork.
State Farm adjusters commonly use Xactimate pricing from the prior month. Double-check the price list date on their estimate.
Working with State Farm in Xactimate
State Farm adjusters write their property damage estimates in Xactimate. When you receive their scope, you can import it into Xactimate and run a line-by-line comparison against your own estimate. Focus on missing line items, incorrect quantities, outdated pricing, and omitted code upgrades. If you start with a PDF estimate from State Farm, CapOut can convert it to an ESX file so you can load it directly into Xactimate for comparison.
Common deductible types
Frequently asked questions
Call 800-732-5246 or file through the State Farm mobile app. A staff adjuster will be assigned to inspect the damage, usually within a few business days. Have photos of the damage ready and document the date the storm occurred.
Yes. State Farm adjusters write their estimates in Xactimate. When you receive their scope, you can compare it line by line against your own Xactimate estimate to identify missing items or pricing discrepancies.
Most State Farm homeowners policies carry a flat dollar deductible, commonly $1,000 or $2,500. In wind/hail-prone states, you may see a percentage-based deductible tied to the dwelling coverage amount.
Convert your State Farm PDF to ESX
Upload a PDF estimate from State Farm. CapOut processes it and sends it directly to your Xactimate account.
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