I've been fighting State Farm in a couple of federal court cases in east Arkansas. I had to ask the Court to order State Farm to produce its claim handling materials. These are the documents that show whether you get a fair shake from your insurance company. Usually, even if the documents say what they're supposed to (platitudes, we call them), the insurance company didn't follow the guidelines. The judge agreed with my client, and order State Farm to produce those guidelines. There's a good synopsis at the Property Insurance Coverage blog, so check it out.