I used to work for a roofing company and your story is not at all uncommon with State Farm. Worst insurance we came across when it came to homeowner claims.We use traveller's. Our agent is great, Mitch Dennis out of loganville. We used to have state farm on vehicles and home but we tried filing a roof claim and though there was obvious damage seen by myself, two different roofers and an independent home inspector they denied the claim and I paid out of pocket for repair. State farm only offered $1500 on top of me paying my deductible for what really should've been a whole roof replacement. It took their checks to our old agent, ripped them in half in front of him and told him I was going to use someone else. Went with traveller's that day and dropped them. Better coverage and lower rates at that. I have heard state farm be called snake farm due to the business practices such as I described. Their vehicle coverage isn't as good as what I get through traveller's as well.