Long story short, we had a massive hail/thunder storm and my windshield was cracked. I butt heads with the adjuster who tried claiming the crack was there prior to the storm. Geico refused supplementation, and when I threatened to take it to arbitration (which I am in the process of doing), the Geico supervisor told me that if the arbitrator finds it wasn't hail damage, they could refer me to the state for prosecution of insurance fraud, which carries a fine of $2,000 or something (cue laughter).
This is after 3 different repair shops agreed that hail could have caused the crack and even if it wasn't hail, adjusters should know all sorts of things blow around in these storms and can crack a windshield. Both adjusters and the supervisor are on record telling me they don't know what cracked my windshield, that something in the storm technically "could have" cracked it, and that they have no evidence the crack existed prior to the storm.
Needless to say I will be switching insurance companies soon. I had bundled with home insurance and the contractor told me Geico/Homesite is notorious for being difficult to work with. I was told Liberty Mutual is usually pretty solid on paying out claims. IIRC, Country Financial was the other company he mentioned that was really good.