I am 84 years old have lived in my home for 44 years. We replaced our roof about 15 years ago with a 30 year shingle.. Over the last few years we have had hail storms through our area. Our roof is bad and they will not pay. They will not even send out another adjuster to look at the roof. We had a roofer show the first adjuster the damage, she just said it is old. I guess if you got hit by enough hail you would look old and beat up also.State Farm they will not look at the roof again even after we requested that they send another adjuster or independent adjuster to at least look at it again. There commercials do not "Ring True" to us.