State Farm Bank Bank Account Or Service Complaint

State Farm Bank Bank account or service department,

Other bank product/service Account opening, closing, or management Pennsylvania

I have homeowners insurance through - -. After experiencing a loss due to a roof leak my first inclination was to contact my insurance company. Upon calling the insurance company, no one advised me of my deductible or provided me with any advice. They simply submitted my claim. Then I was referred to a restoration company by my agent. They provided service to dry my attic and repair my roof. Then they provided an estimate of the cost to repair my ceiling and interior damage. The total of all services added up to be less than my deductible. Therefore, my wife and I have to pay all costs out of pocket but - - is still treating this as a claim. How is it a claim against my policy if insurance covers nothing. Additionally, - - has denied our request to increase our premium and reduce our deductible because of the 3 year waiting period after a " claim ''. What good is insurance and how is this a practice that is allowed to continue???