If you live in Boyertown, PA and have the State Farm agent Kathy Clancy, either change agents or change insurance companies. I have been a State Farm client for over 30 yrs. I have paid my premiums on time and have never had a claim until this March 2012. First my agent told me that my homeowners did not cover this problem and would not file a claim. She was nasty, arrogant and rude. Good thing one of the contractors involved had insurance experience and insisted that it was covered. She finally filed a claim and was not nice about it to me. The adjuster came out and met with the contractor and after speaking to her manager they agreed to cover it. The adjuster, Marie Muller, also was not pleasant to me, the plumber or the contractor. Both these guys had to fight constantly with her to get anything covered and to keep the process moving. She never gave me anything in writing or answered my questions when I asked for something in writing or when I would get paid. As this started on March 16, 2012, it is now 1-May-2012 and it is still not fully paid. I spoke with 6 different people at State Farm and no one ever explained to me the process of a claim. All 6 were rude and nasty as though they are paying the bill from their paychecks. I have since changed insurance companies and so have both my daughters. I get more coverage for my car and home with lower deductibles and I am saving a total of $980 per year with Liberty Mutual.