I have had State Farm insurance on my cars for 35 years and my home for 22 years, never filing a claim. We had a couple of bad hail storms last year and all four of the houses surrounding mine were judged to have hail damage (as well as several others on my street and many others in surrounding neighborhoods) and received new roofs paid for by their insurance companies (not state farm). I had one of the roofers doing work on my neighbor's house look at my roof and he confirmed that my roof also had hail damage and gave me an estimate. I turned in a claim to State Farm, who sent an adjustor out to look at it and (surprise! surprise!) said that my roof did not have hail damage and that they would not pay. I am going to switch insurance companies, probably to either Allstate or Farm Bureau.