State Farm® Insurance Agent Bradford O'Neil

"UPDATE I HAVE NO REASON TO LIE I'M LOCAL PASTOR, After posting my initial review, Bradford O'Neil became hostile and using retaliation actions, and trying have my claim mishandle after post “attached is proof” I urge people that are African-American. PLEASE do not do business with none of his offices and LEAVE NOW find new agent office. After my post Mr. O'Neil denied long-term North City policyholder (see attached photo). I emailed him respectful his response was VERY defensive, and disrespectful. I was shocked . I kept my focus on moving forward and resolving the issue The difference between the (public response) and the private - Initial private communication lacked any apology, acknowledgment, or professionalism. I was SHOCKED by "NEW" response referencing diversity, and offering what appeared to be an half apology. "NONE" of his direct communication, No direct call, or acknowledgment of my experience was ever provided in private communication - Displayed behavior that could reasonably be perceived as retaliatory after a negative review was posted. His email Response Behavior: - Tone was defensive and focused on personal reputation - My concerns were dismissed as “baseless and out of order” - Included personal remarks such as “you should be ashamed” Failed to show empathy or concern for an elderly (80-year-old) policyholder dealing with serious home issues. - Refused to provide guidance or direction, even at a basic help during an active claim situation. - Explicitly stated he had “nothing more to communicate,” cutting off any opportunity for resolution creating a complete communication barrier. - Instructed his staff to cease all communication with me and my father, to seem as if i was being "hostile black man" - No attempt at direct engagement despite opportunity - Refusal to continue communication as retaliation for speaking out about my experience “attached is proof” Same pattern from tornado 2025 Claim slow to no help, Claim was filed on March 9th 2026 for a major sewage backup. 18 days later sewage still in the house on March 26th, I informed Griffin we needed HELP "by Phone" to clear debris from the backyard caused by the May 16th 2025 tornado—damage when claims stop responding in July 2025, — in order to complete the underground plumbing, I followed up by text on March 27th (see attached photos). By April 6, 10 days later no call, no update noting, posted my review retaliation his refusal to help was based on personal offense rather than the needs of the policyholder His attempt to paint me as hostile black man to others to cover up his hateful emails, (it failed I record ALL CALLS to his office), I will upload them to YouTube, As proof I WAS NEVER RUDE OR SAID NO HATE MESS , My Great grandmother was white most my family biracial,. My experience with State Farm and agent Bradford O’Neil has been unacceptable. My 80-year-old parent paid premiums on time for years—never missed a payment—and was paying for coverage he couldn’t even use when it mattered. When a tornado hit, the claim was underpaid EVERYTHING and never finished ignoring invoices, leaving debris in the yard we couldn’t afford to clear. Then our sewer lateral—damaged from that same tornado—was denied, even though we had additional coverage for that. Because the first claim wasn’t handled properly, we can’t even move forward with repairs. Now he’s sitting in a home dealing with sewage—literally smelling sewage WEEKS —while this office delays with no urgency, no real help, and no solutions. Most sad part after the tornado, not a single person from Bradford O’Neil’s office checked on my family. My parent wasn’t even aware of his rights, and was taken advantage of. At this point, it feels like this office is more focused on avoiding payouts than helping the people they insure. Based on conversations in my community, I also have concerns about whether African-American policyholders are being treated fairly with Bradford O’Neil. I can only speak for my experience, but the pattern raises serious questions."

"I stopped into bradfords office looking for help and Griffin managed to take care of me! I recommend him to everyone!"

"Ryan Orr was great throughout the entire quoting process, he was professional and responsive. I’d highly recommend asking for him for your insurance needs!"

"Griffin at this office explains everything clearly and does a great job with answering all my questions. He is cordial and professional and makes sure that he is able to help with any insurance inquiries. I tend to be very busy and I appreciate all his patience when it becomes difficult to connect with me. He makes sure he is able to work with my schedule, is diligent with checking in, and finds the time to get me squared away. The effort is much appreciated"

"Griffin is always so helpful and makes everything easier!"

"State Farm as a company needs to make some improvements but my 5 star review is not about the company itself. I filed a claim last year May 2025 and I have been given the runaround and it has been a complete nightmare until Marion and JC stepped in to help. They both truly moved mountains for me with my claim. I felt like they truly took the time to care and listen and I am so grateful that they did! They both deserve recognition for their outstanding customer service. Thank you guys!"

"Ra-Chel and Elissa was amazing, they took their time to listen, easy to talk to! Thanks for all the help!"

"Andrew was an amazing agent. Thanks again Andrew, You’re the Best"

"Elissa made my policy renewal easy to understand"

"Griffin was great, helped me with every question I needed. Also helped with the best benifits for me and the family. Definitely make it less stressful. Thank you."

"Max made my policy renewal simple and easy."

"Ra-Chel is awesome and very eager to help. Very professional and knowledgeable. Awesome team here at this branch!"

"Thalia Cruz was very helpful, and patient. I’m disabled and most of the time it’s hard for me to express myself to others. She made me feel totally comfortable in speaking with her. Thank you 😊"

"I was contacted by agent Ryan. Ryan did a great job of explaining all the different policies. Ryan listened to any questions we had with respect and a quick answer. I think Ryan is a great asset to State Farm and deserves recognition for great work. Would 100% recommend him and State Farm to others."

"I recently worked with Account Manager AG (using initials out of respect and privacy) at Bradford O'Neil State Farm to get quotes for auto and home insurance. We spent over 45 minutes discussing all the details, and I was ready to move forward. Unfortunately, AG realized days later that my spouse had not been included in the home insurance quote, despite my providing this information during our initial discussion. This oversight significantly impacted the premium and our decision. The mistake wasn't discovered until I followed up and questioned the coverage amounts. AG was not transparent about this oversight until I pressed the issue further. While AG was courteous throughout our interaction, this mistake and lack of transparency showed a lack of attention to detail, making me uncomfortable with continuing with this agency. Given this experience, I am concerned about the transparency, accuracy and reliability of their services. Therefore, I will be looking at other State Farm or insurance agencies in St. Louis and cannot recommend Bradford O'Neil State Farm based on my experience."

"Andrew is a chad that won't waste your time and gets you fantastic prices, now i can afford to watch a UFC fight and order a pizza. Thanks for the breathing room :)"

"Very nice, polite and the price was right plus adding renters insurance."

"Chris at Bradford O'Neil State Farm helped me tremendously through my fire claim & helped me secure a rental. I'm going to recommend anybody looking for insurance to come to Bradford O'Neil state farm."

"Hayden was literally a lifesaver, in all my years of dealing with insurance companies setting up my policies. Today was the easiest thing I’ve ever done. She was friendly knowledgeable gave me a great rates, mentioned other policies that actually lowered my total bill and covered me better. If you’re in the market for insurance, we got vehicle, renters, and will be setting up life insurance soon. Reach out to Hayden with State Farm. She is awesome."

"Hayden and Angi were delightful and helped me with my State Farm app much appreciated"

"Andrew was great. He reached out to let me know that State Farm would like me back. I was very happy with the quote and switched immediately! Two thumbs up for Andrew!!"

"Thalia was amazing and gave me great customer service! They were quick and gave me a very good rate after our previous insurance hiked our premium after moving. You should definitely request working with them when you call in."

"Ryan handled transitioning my auto and home, saved me quite a bit."

"Ryan was really nice and incredibly helpful, he helped me get a much lower insurance rate and saved me a lot of money. Highly recommend!"

"I was helped by Thalia Cruz. She was amazing, easy to contact and straightforward with what I needed and offered me the best prices I was given compared to other companies, and she offered all discounts! I loved the service would definitely keep talking to her. She helped me get home and auto insurance at a great price. 5 stars."