State Farm® Insurance Agent Terry Cavnar

"If I could give 0 stars, I would, due to FRAUD. Here is a copy of an email I tried to send to Terry Cavnar after not receiving the type of assistance or customer service that is generally appropriate. "This email is to inform you that there have been events leading up to the dissatisfaction in your services and we are seeking a refund of $157.40 initially paid November 21, 2024 to set up homeowners insurance on our new property we are renovating in the country, in Hinton, OK. Chris instructed us to take pictures and upload them to the website with the explanation that we were currently renovating the property. Approximately 2-3 weeks later, we received a letter stating that we did not qualify for a policy and were given a lengthy list of reasons why which reflected the fact that the explanation attached to the photos was completely ignored citing the things noted in the explanation as causes for disqualification along with noting trees that needed removal. The property is out in the country, in Hinton, OK. It's in the woods surrounding Cedar Lake. We have removed some trees but we are not removing all the trees. The denial letter also highlighted piles of debris on the premises, which were the result of our work in renovations. Then, 2 more weeks later, we received a bill for the home owners insurance that we were denied stating we owed $77.32 for the premium earned less any deposit premium paid while the policy was in force from November 21, 2024 to January 3, 2025. That is null and void because we never received any communication describing the terms of the policy, which was never issued due to disqualification. I called to speak with Chris regarding the situation last Tuesday, January 7, 2025 and Christina answered and said he wasn't available so she took a message to have him call me back. He never called me back. I called your office today to speak with you and Hannah told me that you were out of the office. She asked about the situation and I gave her all the details. She stated that she didn't see any bill due. In pressing her further for a resolution, she stated she would call billing to discuss the bill we received and she would get back with me "later". I told her I needed a resolution sooner than later and gave her a 30-minute deadline to get back to me. When she contacted me again, approximately 30 minutes later, she said that the billing department said that we owed the $77.32 when Hannah initially told me that she didn't see any bill due, and that it was for the policy, which your company denied us coverage for. I told her that it was not acceptable and we would be seeking a refund because we did not get services rendered for the fee we paid and certainly weren't getting good customer service to resolve the problem. I asked Hannah when you would be returning to the office and she responded she didn't know when you would be returning to the office. I asked Hannah to give me your direct email and she hesitated to give it to me. I had to request your email 5 times before she finally gave it to me. We want an immediate refund since our policy is not in effect with your company. Please return payment on the card the initial payment was made. We will be seeking coverage for our homeowners needs elsewhere." We will also be taking our auto insurance needs elsewhere. *** The email I sent to Terry, given by his receptionist, Hannah, was incorrect and the email returned undeliverable. *EDIT AFTER BECKY C. RESPONDED TO REVIEW ON YELP. This is a copy of what I sent "Becky C" after receiving the response above on both Google and Yelp. "We did not have a standing contract as we did not receive any explanation of coverage (what would be covered or excluded) and nothing was signed. It was all verbal and Chris assured me that posting pictures with an explanation of renovations being done wouldn't be a problem. ..." There's more but Google doesn't allow for that many characters. I still have not yet communicated directly with Terry Cavnar."

"Terry Cavnar's office staff was amazing they were very helpful and answered all of my questions I highly recommend this office to everyone thank you Christina for all your help!"

"Chris George speed is second to none. It’s been over a year and it’s been beyond perfect. Thank you."

"State Farm is the BEST. I've been with them 12 plus years"

"Very nice to deal with and honest. Professional, respectful friendly and knowledgeable. What else can I say! They are wonderful and I have been with them for a while!"

"The staff are very responsive and people friendly."

"Brandon is very knowledgable and was able to help me with some questions I had about my policies. If you are looking for a great State Farm agent, I would highly recommend Cavnar."

"The office staff is always so helpful & kind. Definitely would recommend this office for your insurance needs"

"My family has been with State Farm for 40+ years. Our agent retired last year so I have been looking for an office/agent who would provide the same quality of care we had become accustomed to. I found it at the Cavnar Agency! I knew after working with Michele that we had found our new agent/office. Thank you for the awesome service after the sale Michele!"

"Great friendly service from everyone at this office!"

"State Farm review: The Cavnars are friends of mine. I have had my home and car insurance with them for many years. Terry’s agency has always taken excellent care of me. Kris has worked for them for years and is the best. An email to her and I immediately have a response. I highly recommend Terry Cavnar insurance agency."

"I'd give 5 stars, but I never give 5 stars. Chris has his act together and I recommend him."

"Easy and convenient to work with very knowledgeable about their products."

"I have been with Terry Cavnar-State Farm for almost 2 months after leaving another company after 20 yrs. Same coverage, less premium & deductible for almost half of what I was paying. And a few weeks ago I had hail damage from the storm that came through and I'm getting a new roof. With that being said....customer service from Christina couldn't have been better. So nice, patient, kind and answered my emails quickly. She explained in detail in a way that was easy for me to understand. I now have peace of mind that I have good homeowners insurance and an agent who really cares for the customer. A million thanks State Farm!!❤"

"Christina is absolutely the best. Love that my insurance is pretty cheap too. Would definitely recommend them for all your insurance needs."

"I have been with Terry Cavnar State Farm for almost a month and they really go that extra mile to help meet your needs. I am very satisfied."

"Them take care of me a d listen to me."

"I had called to get a quote insure my travel trailer, and the lady on the phone was nice to speak with and had a quote which was cheaper than good Sam's, which I was happy because I've been with State Farm for 9 years, and they have given me discounts because if being a safe driver, I will continue to stay with them as they are a great company to deal with. Thanks have a blessed day 🙏"

"Great customer service. Fast and friendly"

"Good insurance great people to work with. They have done me right at every step. If you are looking for insurance give them a call they will do you right."

"Ivory was so helpful. Thank you!!"

"Love those giys"

"Amazing company!!! Not only did they beat all other quotes by alot for me I referred my roommate and he saved 50% going through them VS his old provider!!! The only insurance company to use in the state of Oklahoma 💯 they've earned my business and referrals to anyone for life"

"I have been a client of this office for a few years, then disaster. We had an auto accident one month ago. The office has never called to check on us or our claim. When we call them they refer us to the claims department with no help. Please consider this when choosing an agent."

"They were very slow."