I’ve never had problems with them either.
near same scenario. About 12 years ago we had a hail storm. SF called US because they had many reports of hail damage in our area. They sent an adjuster out and replaced our roof.
We were lucky too because we were about to put the house on the market.
State Farm customer for about 10 years, hail storm moved through town, everyone is getting their roofs, cars, siding repaired...SF denied me.
Dumped ‘em.
Got someone else to come in to replace the roof and they went to SF to reimiburse them.
RE: people who live in FL.
Why would you want to live in the dick of America anyways? Aint nothing but the fake Disney there.