I've had insurance with State Farm since I was 15 years old.  I have never had a wreck, have no tickets on my record.  I did have hail damage in 2002. 

My husband & I got a homeowner's policy on our first home in 2001.  We made no claims until a tornado hit our area.  We all sustained damages and all of my neighbors (who weren't with State Farm) received new roofs.  While my neighbor was getting a new roof, his contractor said that our roof was more heavily damaged than our neighbor's roof.  We called State Farm & were told we had to file a claim to arrange an adjuster to come out TO SEE IF WE WERE ELIGIBLE for a new roof.

We did just that.  However, State Farm's adjuster said there was nothing wrong with our roof & denied our claim.  AND then our insurance rates went up.  WHY?  Because we FILED a claim.  State Farm said it didn't matter the claim wasn't paid.  We had the audacity to file. 

Still, we stayed with them.  Last week, my husband was weed-eating the lawn and a random rock flew out & shattered our glass sliding door.  We have called the glass company & they said there is no way to fix it -- The whole door will have to be replaced. 

We have a $500 deductible.  The bill (for installation plus the door) will come to around $900.  Our State Farm agent has told us NOT to file a claim because that will raise our rates $180 per year for three years.  So the fact that State Farm has to pay out $400 on an insurance claim is going to cost us $540.  That's a nice return on State Farm's $400 investment. 

We will be looking for another insurance company.  Hopefully one that doesn't profit when the inevitible DOES happen. 

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