DEAR BOB: I read your recent article about homeowner's insurance and your advice to never file a small homeowner's claim. I had exactly the opposite experience. I have had my homeowner's and car insurance with State Farm for many years and have never had a problem with them. When we moved into our home, within the first two or three years, we had to file claims for a new roof because of hail damage, a new kitchen floor because of a leaking refrigerator, and fixing a leaking shower. All of these claims have been filed since 1991. At no time has State Farm ever threatened to cancel my insurance policies. Frankly, I think any insurance agent who cautions a customer not to file a claim should be reported to the insurance company for unethical behavior. Just my two cents worth – Elyse M. ...
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