We had a bad hail storm in 2003 and I fought with State Farm to get all the damage covered. IIRC it was like $24k in damages. All new roof, garage door, all new windows, siding, deck and fence refinished, etc....
They sent me a letter basically stating my premium would stay put but my deductable went from $250 to $1,000. I can live with that. I have $0 deductibles on my cars which are more likely to get hit anyway so fuck 'em.
Zero issues otherwise.