Talk of The Villages Florida
Page 3 of 4 1 2 3 4
Show 40 post(s) from this thread on one page

Talk of The Villages Florida (https://www.talkofthevillages.com/forums/)
-   The Villages, Florida, General Discussion (https://www.talkofthevillages.com/forums/villages-florida-general-discussion-73/)
-   -   Just found out State Farm will not replace my windshield for free. (https://www.talkofthevillages.com/forums/villages-florida-general-discussion-73/just-found-out-state-farm-will-not-replace-my-windshield-free-360461/)

Mrmean58 08-05-2025 06:05 AM
Quote:
Originally Posted by retiredguy123 (Post 2450891)
Apparently, several posters on this thread are recommending that the OP commit insurance fraud.
Yep. The same crowd that submitted fake wind damage claims so they could get a "free" roof replacement.

PoolBrews 08-05-2025 06:47 AM
The type of damage described is caused by a wiper blade going bad - the rubber portion actually comes off or moves enough so that the metal arm is in contact with the windshield - and then continuing to run the wipers even though they are scratching a groove in the glass. This is not accidental, and the root cause is a combination of a blade going bad AND the end user continuing to use the wipers.

Why would insurance pay for this in any way?

charles_2000 08-05-2025 06:57 AM
I'll throw in my somewhat realted experience with this.

1. State Farm became horrible at paying any claim on anything. (Roof expecially)

2. Safelite has a "Insurance replacement cost and a cash replacement cost. Cash price was cheaper....

ThirdOfFive 08-05-2025 07:03 AM
Quote:
Originally Posted by Mrmean58 (Post 2450984)
Yep. The same crowd that submitted fake wind damage claims so they could get a "free" roof replacement.
There's a fighting chance that several of those posters were doing so tongue-in-cheek.

Nevertheless though...wouldn't expecting an insurance company to replace a windshield because of wear and tear (especially as the damage could have been prevented by the owner merely replacing the wiper blades) about the same thing as expecting an insurance company to pay for a new paint job because the owner parked it in the sun instead of under a shelter? Insurance companies are not responsible for the poor judgment of the owner.

retired guy 08-05-2025 07:21 AM
You described normal wear, I side with the insurance co. They don't insure normal wear.
Replace the windshield , & enjoy the clear view.

Topspinmo 08-05-2025 07:32 AM
Quote:
Originally Posted by thevillages2013 (Post 2450952)
Thanks for that suggestion I just ordered a pair for the Ridgeline ( obviously different size than yours) .
Fit perfectly on my Honda accord. I usually just get original rubber replacements but, they usually streak.. blade frame bowed so rubber lays flat all cross windshield when in motion. Work great on my vehicle.

merrymini 08-05-2025 08:00 AM
Assume these same fraudsters got a new roof too.

OrangeBlossomBaby 08-05-2025 08:11 AM
Quote:
Originally Posted by PoolBrews (Post 2451005)
The type of damage described is caused by a wiper blade going bad - the rubber portion actually comes off or moves enough so that the metal arm is in contact with the windshield - and then continuing to run the wipers even though they are scratching a groove in the glass. This is not accidental, and the root cause is a combination of a blade going bad AND the end user continuing to use the wipers.

Why would insurance pay for this in any way?
Nope.

ron32162 08-05-2025 08:11 AM
It maybe "free" but not so much after you have a claim listed on your record through State Farm. I found that out myself. This time I paid for it myself less than 400 dollars . A lot of turnpike travel and flying pebbles cause a lot of small cracks.

Rodneysblue 08-05-2025 08:18 AM
Quote:
Originally Posted by Arbud (Post 2450843)
My cars windshield has horrible streaks ground into it by the windshield wiper. Changed wiper blades but did not help at night especially in the rain. Asked my detail guy if he can do anything. He said in Florida All insurance companies will replace windshields like this for free and no deductible.
Well after 3 days and 90 minutes on hold Mrs. State Farm calls me and say they will not because it is wear and tear. So I have a call in to her to see if they will even pay after I pay the deductible. (900 Jaguar windscreen). We will se what this ...... says when she gets back to me.
Meanwhile if the answer is no, does anybody no how to get ground in wiper streaks off of windshields. Thanks, Bud
You were on hold for three days and 90 minutes. I would’ve hung up after a half hour.

Michael G. 08-05-2025 08:54 AM
Quote:
Originally Posted by merrymini (Post 2451057)
Assume these same fraudsters got a new roof too.
Is that ship still in port??

FredMitchell 08-05-2025 10:28 AM
Insurance fraud is a felony offense (not civil offense) in Florida. Has anyone else sent a link to this thread to law enforcement?

jimmy o 08-05-2025 11:07 AM
Quote:
Originally Posted by retiredguy123 (Post 2450845)
First of all, there is no way to repair the type of windshield damage you are describing. And, the damage you are describing is covered by your comprehensive insurance after applying the deductible, assuming that you have the entire windshield replaced. Some insurance companies will waive the deductible if the windshield can be repaired, but not replaced. This type of repair involves injecting an epoxy to repair a chip or crack. I think your detail guy is incorrect that all insurance companies will waive the deductible when you have a windshield replaced, regardless of how the windshield was damaged. In fact, I doubt that any insurance company will waive the deductible for a replacement windshield.
Insurance covers damage from road debris, hail, vandalism etc, but not wear and tear. Wiping windows with damaged or dirty wiper blades is neglect and falls under wear and tear. Thus no coverage.

Arbud 08-05-2025 11:25 AM
ok thanks guys. yes wife goes to work early and probably uses the wipers the whole 25 minute drive. With no rain just dew. Am sure that is what happened. will not be committing fraud. Hopefully will find an inexpensive windshield. Was on the phone at different times over 3 days for 90 minutes

Aces4 08-05-2025 11:30 AM
Quote:
Originally Posted by Arbud (Post 2451142)
ok thanks guys. yes wife goes to work early and probably uses the wipers the whole 25 minute drive. With no rain just dew. Am sure that is what happened. will not be committing fraud. Hopefully will find an inexpensive windshield. Was on the phone at different times over 3 days for 90 minutes
Good luck and classy decision to handle the issue.:BigApplause:


All times are GMT -5. The time now is 11:38 AM.
Page 3 of 4 1 2 3 4
Show 40 post(s) from this thread on one page

Powered by vBulletin® Version 3.8.11
Copyright ©2000 - 2025, vBulletin Solutions Inc.
Search Engine Optimisation provided by DragonByte SEO v2.0.32 (Pro) - vBulletin Mods & Addons Copyright © 2025 DragonByte Technologies Ltd.