For the last 18 years, we had Farmers insure all of our cars, house, and life insurance. Only in the last 3 years have I had to submit a claim, one for our roof when it was badly damaged by hail and then when we had a car accident on snow covered road. The roof situation took 3 long months to resolve during which time we had to place MANY long distance phone calls trying to reach our assigned adjuster. The guy who is from CA was supposed to be visiting CO to check roofs. He gave me 2 appointments where I was to be at home waiting for him. HE NEVER SHOWED UP. Not even a call about it. Then he said "OK. don't worry. We'll check your roof. You don't need to be present." We got an estimate in the mail that was for a house about half the size of our home! We had to call again and start practically all over. Finally the amount they offered was so ridiculous that we could NOT find a roofer within 100 miles that could do it for that money.