State Farm® Insurance Agent Shirley Licia Saul

"State Farm is one of worst insurance companies in the Country and I would like to share my recent experience. My State Farm agent deliberately concealed the important information related to my policy, which proved to be expensive at the time of damage. From the outset, State Farm Adjustor - Luis Pena, have repeatedly suggested that the damage is "likely under the deductible," effectively discouraging me from moving forward with my claim. I find this approach troubling, as it appeared to undermine the purpose of my coverage and my right to a fair claims process. State Farm Adjustor suggested this in person without drafting an estimate or consulting with a contractor. On April 22, 2025, Roto-Rooter, a licensed and professional water mitigation company, inspected the damage. Based on their expert findings —which included visible water damage and mold directly arising from the incident—they submitted an email to with supporting photographs requesting approval of the mold mitigation and associated claims. However, within mere hours of their submission, State Farm Adjustor called me to state that the claim would be denied. He asserted that there had been a leak “ongoing for several months”—a conclusion that appears to have been made without any objective investigation or factual basis. I categorically disputed this statement, as I have not observed any increase in my water bill that would indicate a prolonged leak. This assertion, was speculative and unsupported, made with the intent to deny my claims for the valid coverage. Furthermore, I have spoken with multiple licensed mold remediation professionals, one of them acted as State Farm Adjustor in the past, and are familiar with State Farm's dirty tactics. They unanimously expressed concern that State Farm appears to be preemptively and unjustifiably seeking reasons to deny a legitimate claim. These independent licensed experts indicated that the mold and damage observed are consistent with recent water intrusion and not the result of long-term neglect or maintenance failure, as has been implied. A legal review of my policy further established the proof that I am covered for the damages. State Farm adjustor told me that he does not care if I cancel my State Farm Insurance Polices and if I go to the court. When I formally complained it to State Farm and requested for an new adjustor who is not biased like the current adjustor, State Farm did nothing other than sitting on my complaint for several days. On top of everything, State Farm Agent - Shirley Saul did not do anything to expedite my claim or my complaint or getting me a new adjustor. This agent is good in selling various State Farm policies, but they will conceal the important information from you, as happened with me and will not help you if you experience any loss or damage to your property or car. This agent will not entertain your calls if it is related to to any damage and will tell you need to speak with claims department, which is very hard to reach. Please do yourself a big favor and avoid State Farm in the very first place. If you still want to go with State Farm, then find a better agent, who is more responsive to your needs at the time of loss / damage and is not there to just sell you the policies."

"Please avoid State Farm for any insurance needs, especially this agent. The important information about my insurance was deliberately concealed from me and I was misguided when the actual damage to my home took place. This agent is good in terms of selling you the Insurance products from StateFarm but will not come for your rescue when you open up a claim for any damage to your home or car. Please do yourself a favor by avoiding State Farm as your insurance company and if you are still going with State Farm, find a better agent."

"Diana Amaris-Fernandez of Shirley Licia Saul State Farm office is the best. She assisted me in switching my car insurance. I received my insurance id cards and binder within minutes while on the phone with her. Saving a lot of money on my premium with the same exact coverage!"

"Eloy Velasquez has been incredible good with his services"

"This has been the better service I ever got. I highly recommend Eloy Velasquez. He helps you in every step."

"Eloy Velasquez es excelente. Muy cortes, tiene mucha experiencia, es sencillo, honesto y perseverante. Lo recomiendo altamente."

"Excelente servicio de todos ,pero esta chica siempre está súper atenta ,me encanta como resuelve todas las dudas .super complacida (Kirenia)"

"I have been working with Annette and Eloy for many years and I'm very happy with their service. They take care of my family auto insurance and also my home owners insurance. Thank you guys for for your help and keeping me up to date. I highly recommend Shirley Licia Saul - State Farm Insurance."

"Today I needed help with an issue I was having with my home owners insurance. I called the Saul office and Lymari answered. I told her my issue and with 3 minutes she took care of it. Just like that. Lymari was so pleasant and professional I wished I had more issues, but alas I didn't. I highly recommend your using this agency for all your insurance needs. Joel Strauss"

"I talk to them rarely but when I need them they are ready to help"

"Diana is amazing to work with. She truly cares about her customers and goes the extra mile to ensure both timely and even expedited processing of documents. She responds to emails almost immediately and is always willing to answer any questions. I highly recommend her for all your needs."

"I would highly recommend using this State Farm office, and working with Mr. Eloy Velazquez without hesitation. From start to finish his professionalism and knowledge sets this office apart. His exceptional communication and prompt responses make the entire process smooth and seamless. Would recommend him in the highest regard."

"EXCELLENT customer service. I am in the process of a complicated move and have been working with Annette and Kirenia and they have been nothing short of amazing."

"I have been with this agency for over ten years, and the professionalism and prompt response is always excellent."

"This insurance agency has been so good to me. They truly take care of all of my insurance needs and are always very responsive."

"Eloy Velazquez understood the urgency and complexity of our issue and worked expeditiously and most professionally to solve it. We are so grateful!!"

"Kirenia has always been super helpful, and she's great at following up on anything I need. 100% recommend."

"Estoy super agradecida ha esta agencia y a Kerenia por resolverme en menos de media hora un seguro para mi apartamento. Es una auténtica profesional. LA RECOMIENDO GRACIAS"

"Shirley from state farm has helped me so much. I love how quickly she responds state farm and her team are really amazing. I am forever grateful. It's true that like a good neighbor State Farm is there"

"I had the opportunity of working with Kirenia and she was very professional and took care of my request immediately. I would to acknowledge her professionalism and dedication to the customer."

"Diana was amazing! She was very professional, easy to work with and got me an unbeatable deal on home and auto insurance! I highly recommend her and State Farm."

"I am absolutely grateful being a client with Shirley as the help provided is an immense step into something better. Fantastic service and help, teaches me in a simple yet effective manner and takes care of all my needs! I'd absolutely recommend!"

"We have been with Shirley Licia Saul - State Farm Agent for many years, and their staff is amazing. My person of contact (Diana) is professional and gets back to us with the answers and solutions in a timely manner."

"I am a customer of Shirley for many years. It is very refreshing to be able to reach a live person and same consistent staff. The customer service is outstanding from all the staff members. My concerns are addressed immediately. Prices on my business autos are unbeatable."

"Everyone at this office is very professional and friendly. Everytime I have issues with my policies, they work ardently to resolve my issues. Kirenia was very helpful when I went for my yearly review and helped me find the best possible insurance solutions to fit my lifestyle and budget. This office definitely provides a memorable customer experience!"