because big companies don't work sensibly like that. They follow a set of rules pretty unbendingly. Especially a company like Farmers... I would expect you to get quite a bit of flack from Farmers for a claim. They have quite a reputation for being seedy in their dealings with their insured. I would recommend if you get your own insuance seperate from your dad's that you get it somewhere else. Farmers may seem cheap to you right now, but they have been in quite the hot seat recently for unethical business practice and dropped claims on nearly 75% or their insured homes with claims.
Doug