Even though it's old news around here, I assume that the "rest of the world" may have not heard the latest about State Farm Insurance.
From the Scruggs Katrina Group blog:SCRUGGS KATRINA GROUP FILES RICO SUIT AGAINST STATE FARM
Investigation shows pattern of corrupt behavior violating Federal law; policyholders were cheated out of claims payments
Even before Hurricane Katrina hit, State Farm began holding strategy "meetings of the minds" at corporate headquarters to devise ways to avoid paying claims. A few days following the hurricane, a claims "council" continued to meet to develop a strategy for maximizing payment of national flood policy claims. Later, State Farm and Renfroe employees met to participate in "mock mediations" during which they practiced scripted dialogue designed to demoralize policyholders.
.....State Farm defrauded hundreds of policyholders by changing engineering reports which originally concluded that the damage was caused by hurricane wind in order to avoid paying the claim under its homeowners policy.