California E&S Insurance

I am genuinely curious about this claim. As this is my first homeowners claim in 20+ years of home ownership (I own/owned multiple rental properties in that 20 years + currently have 5 policies with State Farm) and I filed the claim in good faith at the advice of an agent. I am trying to use "next steps" as a learning experience to be better prepared for the future. As another adjuster in this thread wrote "if I was an adjuster inspecting your bathroom I would look very hard to see if I could find at least $1 damage to your own unit from the water leak. And if I found it then you would be covered for removal of the tub based on my understanding of the facts and the excerpt you posted from your policy." In other words, I feel like my questions about the legitimacy of this claim and claim investigation practices are reasonable. As an avid sports fan and years of being indoctrinated with "like a good neighbor SF is there" at every commercial break, I just thought State Farm might want to help find coverage and help a long time customer with previously claim-free status. I don't intend to fight or pursue any further recourse unless DOI determines claim handled improperly. Seeking genuine advice: Going forward, should I?: \-Choose the highest possible deductible, never file a small claim like this again, only file a claim if a catastrophic event happens, and cover every possible base before filing a claim since the adjuster won't try and help me and will try and poke holes at every point to deny coverage? and/or \-Avoid State Farm and switch to a company like USAA or Amica that review sites like Trustpilot say seldom outsource claims and want to help their customers? (confirmed by anecdotal examples from friends/neighbors)?

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