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My family will never use State Farm. They insured my father's boat in the eraly 90's and awe had an unusually cold winter and the heads cracked. When the issue was found, it was right after the LA earthquake.
My dad had an guy check it out and say yes, it was due to cold, no abuse, etc. State Farm denied the claim and said their own guy had to come check it out. That guy did and even HE said it was due to cold, no abuse, etc.
Reply from State Farm was basically they were getting crushed settling claims in LA and my father would have to sue them to get any money.
F those guys to hell.
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