I HAVE A HOME OWNERS POLICY WITH STATE FARM INS. I NOTICED ON 3/26/09 GRAYISH FILM ON MY WALLS. STATE FARM "NEVER" CAME OUT TO EXAMINE THE GRAY WALLS/DUST. I WAS TOLD IT DID NOT MAKE SENSE TO FILE A CLAIM THAT "APPEARED TO BE LESS THAN MY DEDUCATBLE". TO MAKE A VERY LONG STORY SHORT, ..., STATE FARM INSURANCE COMPANY ACCEPTED THIS CLAIM AS A "PUFF BACK" ( SOOT FROM A RUNNING BOILER), WHICH MADE NO SENSE BECAUSE I HAD NO BOILER RUNNING. THE ADJUSTER "STEPHEN R" MADE MY LIFE A LIVING HELL BECAUSE I WOULD NOT... read full review »