"....."I called my independent agent in town. They said they couldn't find anyone to write it. She (the agent) said I would love to help you, but nobody's going to write you a policy with an open claim." Robin and Jim Lucas of Luling spent $30,000 fixing up the house her grandfather built in 1946. But last year, a leaking pipe caused substantial water and mold damage. The Lucases say their insurance company, State Farm, responded promptly to their claim and has paid them more than $300,000 for damage to the house, contents and additional living expenses. When they totaled...