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Message: <blockquote data-quote="JD8" data-source="post: 4155272" data-attributes="member: 24">That's somewhat still the case, you just have to do a LOT more squawking.  Like call the insurance commissioner squawking.  Example:  One of my friends has been with State Farm for 15 or so years.  He's got damage, turned in a claim, SF's own adjustor recommended a full roof replacement.  Mind you, this is their adjustor they sent out.  SF came back and said they have reviewed the claim and are denying coverage.  He went to his agent, got another adjustor, same thing.  He's now having a third party look at it, provide a detailed report, and sending it in to the commissioner.</blockquote>