核心诉讼案件 - 俄克拉荷马州总检察长介入Hursh夫妇对State Farm的诉讼 指控该公司运营一项协调计划 通过拒绝或减少有效的冰雹和风灾索赔来限制与屋顶相关的保险赔付 [5] - Hursh夫妇因冰雹风暴导致屋顶严重损坏 但State Farm最初仅评估屋顶状况“良好”并只提供约1400美元赔偿 远低于更换所需费用 [1][2] - 次年再次遭遇冰雹后 State Farm承认损坏 但其计算的损失金额甚至未超过Hursh夫妇的免赔额 最终夫妇不得不贷款22000美元自行更换屋顶 [3] 公司业务实践指控 - 指控State Farm在营销时承诺提供全额重置成本保障并相应收费 但客户实际获得的赔付远低于应有水平 [6] - 指控索赔结果并非由保单承诺决定 而是由满足公司节约目标的需求驱动 导致持续的索赔拒绝行为 [6] 事件影响与范围 - Hursh夫妇的案件是超过200起针对State Farm的类似长期诉讼案件之一 [3] - 州总检察长的介入为众多与保险公司抗争的普通消费者提供了支持 [4]

When hail hits Oklahoma, Jonathan Spyres knows what comes next. The owner of IT RoofTech in Tulsa says his crews can spot storm damage easily with high-tech equipment — but lately, getting insurers to pay for repairs has become the real battle. And one company, he says, stands out for the wrong reasons: State Farm, the country’s largest homeowners’ insurer. The case that pushed him over the edge was a 90-year-old State Farm customer who had been with the insurer for more than 60 years. When a storm rippe ...