An initial State Farm residential estimate more than $14,000 below the company’s independent appraiser’s and nearly $89,000 below the final umpire award wasn’t proof of bad faith, the Seventh Circuit U.S. Court of Appeals ruled earlier this month.  “At best, it may suggest that State Farm’s first inspection was inadequate,” Circuit Judge Amy St. Eve wrote for a unanimous court Nov. 8. “But this alone does not constitute bad faith.”    Read the article……………………….