I had a knock down drag out fight with State Farm after a huge hail storm in my brand new development. Houses built at same time with same materials....all around me getting free roof replacements and I was told I had no need....even though my vinyl siding was cracked and much of that had to be replaced.
They send a one story crew out the first time after I told them it was a 2 story, didn't even go up onto part of it and said it was fine. I called upset, they told me well send another crew out...I told them to make sure they send a 2 story crew. Guess what? Another one story crew and 2 more weeks delay.
Next guy, supervisor, finally shows up says it's obvious it's damaged not sure why they needed him. Paid for siding, roof, even deck and garage door damage I didn't see. It just made me grumpy as I had just moved 1,000 miles away and had to fight 2 months to get it fixed while trying to sell the house and manage repair from new location. No help at all from local agent, didn't even go to bat for me I had to call State Farm directly...even though agent had several other houses hit by the same storm.