Insurance companies make money by trying to screw you as much as possible when it comes time for them to pay out.
Someone w/ State Farm hit the house that I was fixing up 3 years ago. I had his insurance info from the police report -- so I called State Farm. They told me to get two quotes ...
Of course, I was preparing for a trip ... and when I came back, it was Christmas. I don't know how many contractors I called, but some wouldn't work in my area (PG County, MD is known for having some problems w/ permitting). Others wouldn't deal with asbestos (the house had asbestos shingles ... which were now damaged).
During all of this, State Farm's only response to me was to send me a letter 4 months later. (they claimed they also sent me something 2 months later, but I never saw it). Of course, by then, I'm trying to train the new employee at work.
Then I get in trouble for getting pissed off at my new employee when they kept asking me how the construction was going, even though I kept repeating 'I don't want to talk about it'. Which made it up to company management on the same day as the Navy Yard shooting. So then I had to deal with all of that crap.
Over the next couple of years, I get at least three contractors to come out ... yet no one wants to bid on the work.
I called State Farm, and told them they needed to find me a contractor ... but was told they didn't do that. They *finally* sent out an adjustor (only a couple of months from hitting 3 years). I call, but the person I'm dealing w/ won't return my calls and I have to keep sending me to other people in his group (who of course, don't have access to all of the info, and can't help me). And of course, I'm dealing with someone from auto insurance, even though it's house damage.
The process drags on, as they had simply mailed me the offer, rather than call me back ... which was incomplete, as it has a note that the hazardous waste removal needed to be bid out. I explained that there was no way in hell I'd accept their offer for ~$8k as it did me no good to have money if I can't get someone to actually fix the property ... and it was a joke. (they said only 60 sq.ft needed to be repaired on the side that got hit, and it could be replaced w/ concrete siding ... even though there was cracked asbestos siding all through that wall)
I had to lawyer up ... and he found me a contractor ... and suggested we take their bid to State Farm. Luckily, I said no way in hell, as I didn't trust it. (it was $12k, but I had estimated that based on State Farm's breakdown, it should've been $15k).
So I'm paying out of pocket to have the contractor do the work ... once he finally got some free time in his schedule, weeks later. And we found he had missed almost $3k in work, as he forgot about the concrete work. Of course, he started just this Thursday ... so now work's halted as everything's buried in 3+ feet of snow (would've been 2, but the plows came and packed it all in) ... and I've been told by my lawyer that I can't claim costs of therapy (as I wasn't at the place when the accident happened), the time off work to deal w/ all of this, or the delays (over $6k in property taxes alone, plus whatever rental profits had been lost).
And when I hang a sign that stays 'FUCK STATE FARM' on the property, I have to deal w/ the president of the town calling me up to bitch, and I have to explain that if he takes it down, it's a first amendment violation. (mind you, the house is across the street from the town hall ... and the driveway to the school board, so I got a few complaints).
So as I see it ... I can only hope that insurance companies like State Farm get screwed by the changes, as they're assholes.
(USAA, on the other hand has been nothing but good to me ... unfortunately, they won't insure a rental property unless it's occupied)