Simple Senior Benefits - Luis Vallejo

I wanted to share my negative experiences dealing with Luis Vallejo, his agency, and Farmers insurance and would not recommend doing business with him or Farmers. 1. The agency has had extensive agent turnover. Since I first.contacted the agency a few years ago, they've had 3-4 different agents. 2. When I initially bought my homeowners policy, none of the agents ever bothered to discuss or review my policy even though I asked for assistance. The best any of the agents did was email or have short phone conversations. It was really up to me to ask all of the questions and guide myself through the process. They offered zero advice or help. 3. None of the agents ever bothered to discuss or highlight major policy limitations and issues that should have been brought to my attention. ALSO, THE APPLICATION SAID NOTHING ABOUT VITAL LIMITATIONS. Fast forward to my dealings with Mr. Vallejo: As my homeowners policy neared expiration last year, I emailed the agent asking for help renewing, but rec'd no response. After several days, Vallejo finally responded telling me he was the new agent and that the other had retired. At no tine did Vallejo ever bother to contact me to say he was the new agent, nor that the policy was about to expire, nor did he ever offer to review or discuss the policy renewal, and instead just passed me off to his assistant to handle the details. And this was only after I waited over a week for him to finally get working on the renewal. During that time I actually had to waste time looking for another agent to take over the policy due to his delayed response. He showed zero interest in helping me with the policy or understanding my needs, even though the house is over 50 years old. I then contacted his agency for a new auto policy. Without going into details, his assistant bungled the process, failed to communicate and update me, etc. It was all up to me contact them for updates etc and it took weeks to finally bind coverage. Then I recently had a plumbing issue which resulted in a recommendation to replace ny sewer line which will be very expensive, $15,000+. I later found out that Farmers has a $2000 limit on this coverage, AND ALSO FOUND OUT THAT MOST OTHER CARRIERS ACTUALLY FULLY COVER THIS SORT OF LOSS. DON'T GET A FARMERS HOMEOWNERS POLICY, THEY DON'T COVER MANY OF THE STANDARD LOSSES THAT MOST OTHER CARRIERS COVER AND THEIR AGENTS DON'T DISCLOSE ANY OF IT TO POLICY HOLDERS!! When I called Vallejo to discuss, he emphatically told me "the prior agent should have offered to review your needs and the policy with you at the beginning and disclosed this limit. That is Farmers policy and that's what I always do. I'll look into this and get back with you." Then Vallejo calls me back the next day, and totally flips the script and tells me "We have no record of you requesting help. It's up to the policy holder to request help, not the agent." IN OTHER WORDS, RATHER THAN TRY TO HELP AND ACCEPT RESPONSIBILITY, OR BACKUP WHAT HE HAD TOLD ME THE DAY PRIOR, HE CHOSE TO BLAME ME INSTEAD. THIS CONDUCT SHOULD TELL YOU EVERYTHING YOU NEED TO KNOW ABOUT HOW LUIS VALLEJO DOES BUSINESS, AND HIS LACK OF RESPECT AND CARE FOR HIS POLICY HOLDERS. Based on my experiences, which are all true, i would NOT RECOMMEND DOING BUSINESS WITH FARMERS OR LUIS VALLEJO. If Vallejo tries to dispute any of these facts, I will respond again.
Mar 17th, 2020

I have a new Farmers Insurance agent - Luis Vallejo. Although hes new to me I believe he will do a good job because he has knowledgeable people working in his office. My homeowners policy needed to be updated in a timely fashion and Lisa was able to get that done quickly - I have a relative whose policy had discounts that had not been applied and Lisa is researching this for them - my car was recently wrecked and Luis called to make sure we were all ok - these people really do look out for their clients - thank you to Farmers & the team @ Luis Vallejos agency!!!
Oct 29th, 2019