Carrier page — State Farm
State Farm is the largest home insurer in the country, so its estimate letters generate more of these searches than anyone's. The structure is the industry structure — first check at actual cash value, the depreciation held back against completed repairs and proof — but the deadline and the deductions on your letter are worth reading line by line.
The estimate separates every line into replacement cost, depreciation, and actual cash value. The depreciation column is the holdback: recoverable where the line is marked recoverable, released after the work is done and documented, up to what you spent. Two deductions deserve a second look: depreciation applied to labor (its legality is state law, not State Farm's choice — see below), and depreciation applied twice on the same line — an age percentage plus a separate wear deduction — which is a documented estimating error and a supplement ground.
The same two clocks as everywhere: the policy's (the standard form's 180-day notice of intent, and whatever completion window your form carries) and your state's floor. State Farm's form does not outrank Cal. Ins. Code § 2051.5 (12-month minimum), Maryland's § 19-213 (2 years), or New Mexico's rule (no timeframe authorized). Run the checker with your state and dates — it measures both clocks and names the law behind the longer one.
State Farm appears on both sides of the labor-depreciation case law — as the defendant in Sproull (Illinois: labor depreciation barred where the policy is undefined) and in cases allowing it elsewhere. The lesson is not about the company; it's about the state. Your state's position, with its citation, is in the state table, and the checker states it in your result.
Run your own numbers. The free checker takes your state, your dates, and the figures on the insurer's estimate — and returns the dollars still held back, your real deadline, and the next document to send. Run the checker →
The pages above are the map. The kit is the paperwork: the proof packet that releases the money, the letters that protect the clocks, and the complaint pack for when the stall continues.
One payment, yours to keep. We never ask you to upload your policy — you file everything yourself. See everything inside the kit →