From my rather vast experience I have found that if the deductible is under $150 or if they have their special glass waiver attached to their policy then repairs are free.
Farmers is without comparison the worst company to do business with. I suggest to ALL my Farmers customers that they change to Safeco, American Family, State Farm or even American Express insurance. They are usually all cheaper (except State Farm) and are MUCH MUCH easier to deal with in all claims.
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