You have to understand that this is not the only Farmers agency that screws the common folk.  For a wind damage roof claim, they send out Mr. Zero six days after the storm to AZ from TX, and the guy comes up with some lame reasons for a complete denial of a $25,000 claim.  Think long and hard before you ever associate with Farmers in AZ.  I guess they do not think dust, 70 miles/hour wind and torrential rains can do any damage to your roof.  Stay away from them and you will not be sorry.