State Farm® Insurance Agent Chad Richards

"Kind of crazy. Was paying for this for almost 20 years. I got in a wreck somebody hit me about a year ago. The insurance said go get checked out at the hospital if you have any pain it will be covered. Got full coverage on a brand new vehicle on 2021. Why do I have to pay $1,000 to get my vehicle put in the shop? How much have I paid in 20 years. To talk that off they said call Progressive to get the claims number and then call the hospital with the number to get it all paid for. Spoke with State Farm people. Spoke with Progressive people. Got the claims number. Spoke with the hospital. Gave him the number did exactly what everybody told me to do. Why am I being charged for a bill a year later that I just seen for over $1,000? I would have paid the hospital on the spot. What kind of sick business is this? Literally did what I was told to do only time I needed to use my State Farm and I literally feel like I'm the one that has to do all the work. Why would I possibly be paying for these people to help when they're not doing anything? That would be canceling my services as soon as everything is settled with getting my car fixed. Absolutely ridiculous I feel like paycheck for y'all not a customer"

"Highly recommend this place for your car and home insurance needs. I stopped by to ask for information and Jeffry Centeno helped me a lot ! I realized I was paying a lot With All State. Jeffret explained everything to me very well, very patient, and understood my needs, made me feel Very welcome and comfortable and I knew Incould Trust this company(besides the amazing quote they gave me) . So I am a new State Farm costumer. About to cancel All state right now. Thanks Jeffrey!"

"We have been clients of Chad Richards office for close to 20 years. We have always had great experiences from developing policies to filing claims. They insure a variety of items for us from home and vehicles to trailers. I can always count on Kerry to provide me with a COI that is often needed in my line of work. Kerry responds quickly to emails and phone calls often making me feel as if I am their only customer, but I know they are working just as hard for all of their clients regardless of the policy size."

"Chad Richards is not there for his customers when they truly need him with a claim. I have been a customer of Chad Richards for over a decade. When I needed him the most, he was not there for me. November 7, 2024, my husband and I were in a serious auto accident where we were rear-ended by another State Farm customer. While the other driver was immediately found to be at fault, I have been having to fight with State Farm every step of the way. For the first two months, Chad was not able to spare even 5 minutes to speak with me. Then, when he did start talking with me, he gave me wrong information. So, after 3 months of going nowhere with the claim, Chad’s office tells me that I should have filed under my own insurance as they would have more insight as to what was going on with claims, could help more, and I could use the “Appraisal” clause. Three MONTHS after telling me not to file under my own insurance. I open a claim under my insurance, and was able to settle on the total loss of my car for more money than was originally offered, but much less than my car was worth at the time of the accident. Once we settled on the total loss of our car, we went out and purchased another car. Upon picking the car up, I called Chad’s office to get the new car insured. They took the information and assured me the new car was covered. Two weeks later, I am looking at my account and notice that my old car is still listed and my new one is not listed. I call and speak with Chad’s office and they FORGOT to put the insurance through on the new car. I had been driving around with only the “grace period” coverage on my car. We ended up switching to a new state farm agent and went into their office to set up insurance on the new car and was told it was completed. Several weeks later we found out that the same thing happened and the new car was not put on our policy and we were driving uninsured. This has been a full-time job dealing with State Farm and all the hoops they have made and are continuing to make me jump through. If it was not for my persistence and daily calls, I do not think we would have had any settlement on the car. State Farm will do everything they can to not pay a claim and when do offer a settlement, it will be far less than what is fair. We are now going to have to deal with the medical claims and I expect more problems. Getting an attorney and having them take 1/3 of the offer off the top was not a viable option. The only thing State Farm is good at is collecting their money every month, but what good is insurance if they don’t pay out on a claim when something happens?"

"Worked with Brian Blum from this office and he was fantastic! He did everything with us and saved us a ton of money!! Thank you Brian!"

"The Best❤️"

"Great service"

"Had a great experience with this agency every step of the way. Ana in the Raleigh office was exceptional. She was knowledgeable, helpful and supportive through every step of the process and even available over the weekend when I purchased another vehicle to add to a bundled policy that I switched over from another insurance company. Documentation for everything was clear and submitted in a timely manner. It was a pleasure dealing with a company that still values their customers!"

"When we moved out here about two years ago, we asked our friends and neighbors for recommendations on what insurance company they had for their home and cars. The name that came up the most was Chad Richard’s State Farm insurance! All I can say is we are so grateful we made the right decision to go with them. I had inquired about their financial services that I had seen in an email from them. I was put in contact with Patty Gardner. All I can say is she has been a great resource for us. I was going to be turning 65 years old soon, and Patty explained in detail all the different Medicare options that were available. She also explained the steps required if and when I apply for Social Security. Thanks Patty and State Farm! Very highly recommended!!"

"Jeffry Centeno, Personal Account Representative, was a pleasure to work with. He was patient and willing to share complex insurance information in a user-friendly way to make the customer feel taken care of. Jeffry was very responsive to all questions presented and offered advice based on the information shared to assist in making a sound decision. My overall experience with the agency was the best, from speaking with the kind representatives that answered the incoming calls to the representatives that returned the call when Jeffry wasn’t available. Keep up the excellent customer service!"

"Working with Brian was a smooth process, he is very kind and super knowledgable! Thank your Brian for your help, I really appreciate all of the info you provided and helping speed the process up. :)"

"Very helpful and responsive"

"vary helpful, kind, and smart"

"I honestly have nothing but amazing things to say about this place! It’s my first time being on my own insurance policy and they made sure the process went as smooth as possible and made sure to explain everything every step of the way. I had a family member who had important surgery done and my agent (Ana) went out of her way to check up on my family member after the surgery to make sure all went well! The people here are so sweet and caring! I would recommend this place to everyone and they are always quick to get back with me anytime I have any questions/concerns!"

"We had a great experience with this office! Brian Blum made the whole process very simple and I received proof of my insurance same day. He was very friendly and explained everything in layman's terms. Thank you!"

"Chad and his team are amazing! I have had the pleasure of working with them for my vehicle insurance needs for the past few years, and they have assisted me in a timely and professional manner whenever I have unfortunately required assistance. This morning I called the office to inquire about windshield replacement due to an errant rock strike on the highway, and Kerry had me off the phone and my case started and safelite calling me all within 4 minutes of letting her know what my issue was!! Absolutely stellar service and completely beyond my expectations!!! Way to go Kerry and State Farm team! Keep on rocking!!"

"Patty at State Farm is beyond awesome! So efficient, knowledgeable & responsive. This office has been my local agency for years, and they never fail to impress me. They are so available every time I’ve ever needed them. I highly recommend them!"

"We been with Chad since 2016 when we moved to North Carolina.The entire staff is superb and are financial advisor Patty Garner is the “BEST” We recommend Chad & Patty for your agent & financial advisor !"

"I would like to say Bryant from the Clayton county office was excellent. He actually walked me through everything I needed to know please give him a gift he want to go to the Bahamas. I say 100% kudos to Bryant very knowledgeable, understanding, humble and love his job, thank you"

"I switched my State Farm agent when I moved to Raleigh in 2019 for Renters Insurance. Since then I have had homeowners, Fire, Auto and health insurance. Many seniors may not know that State Farm has Part G Medicare Supplement which is excellent coverage and not very expensive. Patty Gardner has been my investment advisor for 5 years and is very much like a “good neighbor “."

"I have had my Auto/Renters insurance with Chad Richards for probably about 8 years and it has been such a great experience I now have the amazing Patty Gardner as my financial and investment advisor. As many of you viewers know, the past several years have been some of the most turbulent financial times our country has seen in a couple decades. Patty has guided me meticulously through this tempest, moving things around at strategic times, leveraging my available funds to risk, and through her knowledge and resourcefulness while many of my colleagues and Friends have gone in the red, Patty steered me through the storm and I remain on track if not ahead of the game towards my retirement goals we established at our onset a few years back! If I didn't know better I would swear Patty has a crystal ball, or maybe she's just clairvoyant when it comes to financial markets and investment options! Thank you Patty for captaining my financial ship and all the diligent work you do for me, for going out of your way to make time for my in-office and virtual meets [often on-the-fly!], for explaining things to me beyond my grasp in simple terms, and for our amazing collaboration and treating me like family; in concern, with respect, with no pressure and especially with your humorous and jovial demeanor! To my fellow viewers, if you're tired of working with lackluster firms who only seem to have pushy sales personnel while they flounder with your money and you watch your investments sink into the quagmire of despairity, then you are dealing with the wrong firm and working with bad actors. I urge you to hook up with Chad Richards, have a win-win discussion with Patty and the team, and get back to safe financial harbor before it's too late, and your dreams for a solid financial future dissipate further. To all us viewers who are with Chad & Patty, please comment to my post if I'm wrong here! Chad and Patty; Thank you for all you and the team do for me.... Jim from Cary NC"

"I have been coming to this office for many years! Great staff. Super nice. Patty is my favorite!"

"Chad has been our insurance agent since we moved to the area in 2003. Chad and Patti Garner also help manage our investments. They have done a wonderful job of meeting with us each year to evaluate our needs and future plans to ensure we have the coverage and funds we need to meet our goals. Everyone at his office have been kind and helpful, and never too busy to answer questions. I highly recommend Chad and his staff."

"My experience with this office has been amazing. Patti Gardner went above and beyond to help me get a policy in place that was complicated and needed extra attention. I would highly recommend this office because of the attention to detail and the extra effort that they are willing to put in. Thank you Patti."

"I have been a customer for many years … home, auto. Chad Richards and his team are excellent. Someone knowledgeable and professional always answers the phone and assists with your needs. Additionally, I have an outstanding relationship with Patty Gardner, my financial planner. It is a pleasure to work with Patty. She always has my financial interests and success in mind. I highly recommend Chad Richards, State Farm Insurance."