State Farm has a history of using this tactic. I caught by that in Texas once.
Never again will I buy insurance from State Farm, regardless of how cheap they may offer it.
http://www.insure.com/articles/homeinsurance/state-farm-lowball.html
You should not buy insurance on anything from State Farm or from Allstate. They are the two best at collecting premiums and the two worst at paying losses.
A few years ago Central Indiana was pounded by a series of fierce hailstorms. Many, many roofs were damaged and had to be replaced. In my neighborhood of 45 homes, probably 60% got new roofs. State Farm and Allstate did not replace any roofs unless they were sued or threatened with suit by attorneys.
State Farm pulling out of Florida is actually a benefit to Floridians. Maybe they can take Allstate with them.