Consumers held hostage

The couple, who say they had been with their insurer for 30 years without filing a claim, ultimately decided not to file one this time, either.

That didn't stop State Farm from dropping them as customers, they say. Not only that, but they say State Farm also shared the damage information with the CLUE database. When the Garders applied for coverage elsewhere, the other insurers cited State Farm's damage report as the reason they wouldn't write a policy, Jan Garder said.