A lawyer is accusing several Florida home insurers [including Allstate & State Farm] of systematically defrauding hundreds of minorities out of millions of dollars in claims from 2004's devastating hurricanes. Alan Garfinkel said Tuesday most of his 300 clients speak limited English and were targeted by the companies as customers who could be cheated out of large chunks of their claims... Garfinkel said...he expects the same through Katrina's destructive Gulf Coast path... State Farm spokesman Jose Soto said...his company fairly investigates all claims.