State Farm® Insurance Agent Jim Little

"My experience with State Farm, Jim Little in particular, has been extremely disappointing, and based on what I’ve experienced, I would not recommend him as an agent. We’ve been insured with Jim Little for 19 years and recently experienced our final straw, per se.

When our claim arose, I repeatedly called and emailed our agent, Jim Little, but never received a response directly from him. The communication I received was from Pam, his office assistant who is wonderful. But, during this time, I specifically requested support from Jim, who sold us our policy, especially during a stressful claim. However, he was unavailable and never had the decency to reach out directly during the claims process, not once. Pam, acted as a front person for Jim to keep him insulated and absent.

State Farm requested a contractors report, we supplied. Then they asked for a plumber’s report, which we provided. In fact, we had three separate licensed plumbers inspect the issue, and all three concluded that the damage resulted from a sudden loss. Despite those reports, our claim was denied on the basis that it was repeated water damage - however State Farm had no pictures or proof of their own to determine that. It was simply their motive to deny.

The claims process was equally frustrating. The adjuster, Chris Cook, appeared to arrive with his decision already made. He came in with highlighted information outlining our claim denial with policy verbiage (before even entering the home). When we asked questions, he could not answer and abruptly left our home in a very unprofessional way throwing his hands up and verbatim stated “I’m not going to be questioned unless I’m in court.” In my opinion, he did not conduct a thorough inspection. He did not take photographs, perform moisture readings, or complete what I believed to be a proper assessment before leaving the property after we questioned the findings.

This experience has proven that State Farm’s priority is finding reasons to deny claims rather than fairly evaluating them and being a good neighbor as they like to advertise. I also encourage anyone purchasing homeowners insurance to sit down with their agent and ask detailed questions about their policy. In my experience, the support and knowledge I expected simply were not there when I needed them most.

I am filing a complaint with the Tennessee Department of Commerce & Insurance (TDCI) and will provide the documentation we have gathered, including photographs, emails, and all three plumbers’ reports, for their review.

My goal in sharing this review is to encourage other homeowners to ask questions, understand their coverage, and advocate for themselves throughout the claims process. Based on recommendations from a successful family member who works as an insurance supplementer and advocates for homeowners during claims, I will be looking into companies such as USAA, Erie, and Travelers for future coverage.

I hope you feel encouraged to research before choosing an insurance company."

"This office is so dedicated to helping all of their insureds above and beyond. We are so thankful for good folks to work with!"

"The staff were extremely helpful and was greatly appreciated!"

"Amy was so helpful and kind over the phone. I almost did not care about the price of the car insurance - I would rather have that great customer service. She helped me with a quote at 5 PM on a Friday and still treated me with such respect. All companies should take notes from her! Thank you!"

"Great job going the extra mile to make sure everything is covered and correct. Super friendly staff who sincerely care about your welfare."

"Laura at the this location has rendered perhaps the best Customer service that I have ever received.
Resolving a refund for policy change from 6 months ago, and doing the investigation."

"Mr. Little has assembled a knowledgeable and supportive staff. Would definitely recommend"

"This office and its employees have always done an excellent job helping my family and I for SEVERAL years now. They’re very courteous and punctual. I will always use them in the future."

"I have been a customer of State Farm for most of my adult life. For the past 23 years Jim Little has been my agent and I don’t see any reason that I would change. His agency wrote my home, autos and life policies and I rely on his competent staff. Remember, all insurance companies have rate increases so be careful to check your coverage if you shop for insurance. S Power"

"We have been very impressed with the Jim Little State Farm agency because Jim not only knows his customers, but he also goes above and beyond to make sure claims are handled in a timely manner and that you are treated like family. A very friendly and knowledgeable office staff makes us feel like our business is appreciated and well taken care of."

"Jim Little has been not only our insurance agent, but our family's insurance agent since the 1908's! When I moved back to Chattanooga in 2000, my first phone call was to his office to transfer my policies. Now, our daughter and her husband have their family policies through Jim. I could not have asked for a better agent when we had roof damage during the 2020 tornados. Jim and Pam, and everyone, were extremely helpful and made a crazy event during a crazy year painless! We highly recommend Jim Little State Farm!"

"I have been with Jim Little insurance for 20+ years. They have always been very helpful with anything and everything I had questions with. It’s very easy to change from one vehicle to the next. The best part about them is they treat everyone like family! They are a amazing group of people and I can never see myself leaving there area because no other insurance will treat me the way they do!"

"We love all the agents at Jim Little's office. They are always kind, helpful and friendly. They are the BEST!"

"I had a great experience with Jim Little’s staff. Pam handled all my needs and she was very professional."

"We've been with Jim Little's office for 20+ years and have always had consistently wonderful service. The online experience is easy to navigate and his team is always top - notch!"

"Great staff wonderful people,easy to work with very kind have had a wonderful experience but would like a lower price,LoL thanks Guys"

"So Jim little State Farm has treated us like family from the very beginning. We love them all, Pam has the answer for all, I love her so much.Jim , Steve, Buffy, Monet , Amy , Sarah the new employee maybe wrong, they are the most amazing people to work with. I give them a perfect review. Thank to the entire team."

"When it comes to insurance, your agent makes a huge difference. I've had policies with Jim for over thirty years. He and his team are responsive, proactive, and incredibly helpful. I'll add that the policies I have are also very affordable. I'd highly recommend Jim Little State Farm.

I'll also add that Pam is AWESOME!!!"

"I’ve only ever had State Farm my whole life, and they have always been reliable and excellent to work with. I recently moved across state lines, and they handled everything seamlessly with my previous agent, making the transition incredibly smooth and stress-free. This office truly cares about their customers and consistently goes above and beyond to help. I couldn’t be more pleased with the service and I would highly recommend working with Jim’s office."

"They have been my insurance agents for the last 44 years! Always kind, patient and knowledgeable. Thanks so much!"

"I have been treated very well. Any problems that arise has been handled.everyone is very kind and amazing at helping me in all situations ❣️❣️❣️"

"They have gone above and beyond from the minute I called for an insurance quote. They have been great at communicating and even reached out to city officials about a flood map being incorrectly updated. Highly recommended!"

"Great staff! Jim treats everyone like he would want to be treated! If there is a problem they really help get to the bottom of it!"

"I literally love Pam, she blessed my day and help me beyond the beyond. A really hard situation became super easy and stress free in less than ten minutes. Everyone should at the least meet her, just to make your day"

"Excellent customer service. Friendly helpful staff on line as well!"