That's news to me. They paid for repairs to my car and I've been very happy with their insurance -- up until now.
They are notorious for waffling on claims. We lived in Minnesota in 1988 when a pair of big hail storms went through the Twin Cities, wrecking hundreds of roofs in the south metro. The newspapers did a running survey of who had trouble with coverage and who didn't. We had St. Paul Fire and Marine and they wrote checks for everything at 100 percent of replacement. A couple down from us with Allstate got half their roof re-shingled.