Allstate Homeowners Insurance

Homeowners policy will be cancelled in June. My wife and I received a message in the mail from Allstate saying they will cancel our homeowners policy because we do not have auto insurance with them. (Note: I noticed Joel of Jersey City, New Jersey on this website was told the same thing by Allstate). I sent Allstate a message via their site telling them I will not be blackmailed. And if that they do not renew my policy, I shall contact this site. I got a message from a lady that said they have to cancel the policy because we do not have "any other supporting business lines." But this is not what they said in their letter. The IRS knows that I am an author and my wife is a nurse. What would be the problem anyway? If an attorney reading this feels this merits a hearing in court, I shall be happy to hear from her.

I have Allstate homeowners insurance. The rate has risen in each of the previous three years. I called this morning to discuss the situation with my agent, who told me the company had losses so they had to raise the rates? He told me I could increase my deductible, but was not able to successfully communicate to me how that might impact a claim, stating numbers that didn't match up. He also told me that if I let them cover my auto, they could give me a discount on the rate. How can they insure more property for less? He then told me that the multiple policies would increase customer loyalty. I told him a steady rate would increase my loyalty and less scammy talk. What's with the double talk insurance from Allstate? It doesn't foster confidence or an interest in doing business with the company. I'm sending a letter to the state insurance board.

I purchased homeowners insurance with Allstate in 2009 and each and every year since then, it has gone up. My house payment has gone up with that in 2010, my homeowners insurance went up $179.71 and then I got a letter in mail saying that there was a processing error for 2010 through 2011, that my insurance has gone down and they made a mistake, so they sent me a small check for $27.00. Then this week, I got a renewal letter saying my insurance is going back up for 2012 to 2013. I can't even understand how Allstate can get away with doing this. I'm new to home buying, this is my first house and I got a big surprise the year after I purchased my home. Not only did my insurance go up, but my taxes on my house went up and I didn't even realize it, so I ended up owing all this money on my escrow. My house payment went way up.

Now this year, I'm screwed once again because my insurance is going up once again. Allstate is a ripoff company. At first, they're all good. Then when they got you where they want you, they stick it to you real good. If I would have known what I know now about home buying, I sure wouldn't have bought a house because I'm not only getting scammed by Allstate, but my mortgage company is right along with them. If you are new to home buying, make sure you do your research. Make sure you know what you're getting into with insurance companies, they can change your rate on a dime without notice, they can do what ever they want and get away with it. Watch your statements from Allstate closely, mine doesn't even match up to what my mortgage company has paid to Allstate. It just doesn't make sense to me. I'm going to be looking for a new insurance company because Allstate is ripping me off and as you can see by this forum, many others as well.

Please do not take any money out of my account. I have another account that I would like for the insurance to come out of. I was able to speak to one of your representative and he informed me that it was nothing that he could do to accommodate me. I told him that I did not want to change insurance companies because I have been with your agency for many months. I was able to speak with my bank and they informed me there was nothing that they can do but charge me a fee of $30.00 to stop ACH. The representative from my bank stated the insurance company is able to stop the process if they wanted to. Your representative told me that he would call someone to check into stopping the payment, which I doubt he called someone. He probably spoke to someone in the office because he did not know who to call to help out a customer.

He called me back within 10-15 minutes and stated that it was nothing he can do. I did state that I have Geico car insurance and I would contact them and do business with them if he could not assist me. Your representative called me back and stated I could go ahead with Geico. Wow. I did request for the payment not to come out of my account anymore and for the insurance company to mail me a bill. Your representative did not receive confirmation from me if I wanted for my policy to cancel. Where is customer service? I see now that my business is not wanted anymore. I initially informed the representative that I wanted for the insurance payment to come out of another account. Your representative did not ask me for my new information. He just hung up because he did not want my business. Do you think Allstate Headquarters would think this is appropriate? This is how Allstate does business with their customers.

On April 16, 2011, my house burned down completely. Allstate, after having all the inspections and investigations, completed satisfactorily has still not moved toward any resolution of the claim. According to the Allstate adjuster, they are dragging their feet because of a form (unsigned) that they received from the Florence Allstate agency in Albany, NY. This form states that I was going to move into the house within 3 months after signing the contract. The house was still under construction. I never saw this form and as I mentioned before, it is unsigned. The Florence agency will not admit that they sent the form and will not discuss anything about the claim with me.

It seems that Allstate does not want their agents to sell homeowner policies to unoccupied residences. None of this changes the fact that Allstate has an outstanding obligation to pay on the claim. They have stalled for a year now and I guess my next step is to hire a lawyer. In NYS, the insurance companies have successfully lobbied that if an insurance company loses in court, they do not have to pay the lawyer and court expenses of the insured so they have nothing to lose. Allstate has a history of stalling and dragging out the payments of legitimate claims hoping the participants die or will accept a low ball offer. It seems that ethics, fairness, playing by the rules all have no place in the Allstate method of conducting their business.

Depreciation rip off: A home we own received hail damage. Allstate deducted our $1k deductible and what they called "recoverable depreciation" of over $1k, and sent us the difference. The adjuster said after the roof was repaired, the contractor could sign a form attesting that it was repaired and then a check for the depreciation would be sent to us. Now the agent is telling us that since we did not spend over the amount of the check sent to us, they don't owe us the depreciation.

This is about the flood claim on my brother's home. In 2005, Katrina caused my brother's home to be flooded. Ronald ** made the claim on his home, but was murdered in 2006. I am his brother, Roland ** (POA). I am seeking help to repair his home. You may contact me at ** or email me at **.

This company (Justice Agency) insurance 907 Rivergate Pkwy in Goodlettsville is under Allstate no matter what the name it is under still the same **, ** and ** are thieves and they have thieves working for them. They are trying to sell their company due to fraud.

If you had any contact with ** or any Justice Agency member, write the policy for you and gave them money, you may want to contact your local Allstate and make sure your policy is valid and the money has been received. Don't be a victim. I gave my payment to ** which was an agent of Justice Agency Allstate and they took my payment and didn't write me a policy. I was told she was fired but then I was stone walled and now they're trying to sell the company. I have tapes of everyone involved in this case, taped voice mail where Allstate is saying that they know it has been worry doing on the part of ** and **.

Insurance claim: I had a house fire and Allstate refuse to reimburse me for rental expenses, landscaping damages and for an air conditioner unit that was stolen during this incident.

My home was destroyed by arsonists and the guest cabin and equipment shed were also vandalized and robbed. I fought Allstate for over a year and finally had some FHF the payment on the policy. They never paid under the interim living clause, which I had for one year, and never paid for the debris removal or the landscaping and decks that were destroyed. My home was paid for and I was ready to retire to the country property. Allstate was very cavalier about the entire disaster and the agents in Tennessee were the rudest people I have ever dealt with.

The entire ordeal has been awful. An agent there, Wanda, claimed not to receive documents that were sent, and it took intervention from a Mississippi insurance man for me to even get a copy of my policy which had, of course, burned. The agent that sold me the insurance said that it was the best policy Allstate had, the deluxe policy. Ha! Either he was poorly trained or misrepresented the policy coverage. After Allstate excluded all the things that they claimed were not covered, I had little coverage for my life's possessions and home.

I have never had a claim of any kind with any insurance carrier in 30 years. I've been with Allstate for about 10 years and I am fed up. Last year in 2011, I had my car insurance go up 10% and my home insurance go up 12% without even having any notice. This year 2012 is the final straw. The camel's back is broken. My auto insurance went up another 10% and my homeowner's insurance went up over 19%.

I called my agent last year and he had a hundred different excuses just as he did this year. He said that home values and costs have gone up from building contractors all across the nation. I told this agent in Sacramento (Charles **) if he was aware that home prices had gone done over 130% in the last 31/2 years. Then I asked him if he was raising my rates 20% annually, how could the building contractors be charging Allstate 20% more annually in this economy? I mean really. Contractors are literally giving their labor away to land work to feed their families and save their own homes.

Allstate is doing nothing but screwing people. I told Allstate tonight to go pound sand. Don't fall for Allstate and their exorbitant insurance rates. I spent 10 minutes getting a quote with another big name insurance carrier and I cut my insurance costs nearly in half. I'm telling everyone I know about Allstate and to avoid them at all cost. To raise someone's rates at 20% without ever having a claim, that's not the "good hands" I want to be in!

There was a hailstorm in June 2011. Numerous homes in the area received new roofs. My roof is old and has 3 layers. I have had Allstate for auto and home for over 20 years. The adjuster came in December and said vents were damaged by hail, but the shingles had no hail damage, just old. I gave $47 (after $500 deductible) for vents, but said I should not have vents repaired. When I requested a quote from another insurance company, I was told that because a claim was recently paid for wind damage, I would have to replace the roof myself before they would insure my home. Do I have any recourse with Allstate as I believe they unjustly denied the claim?

Without notice, Allstate increased our home owners insurance 24% due to "weather related claims." There has been no significant weather event in this area since the ice storm of 2007. Adding to the anger is that our insurance rep failed to inform us of the increase while visiting beforehand to review our policy and was non-responsive when asked for some notice from Allstate justifying the increase.

I've had Allstate for the 12 years. I've owned my home and never had a claim until this year when we had two separate broken pipes. So, I had two claims, one for 5K and one for 8K. Allstate paid them and then dropped my policy because I had two in the same year. The adjuster was very encouraging and wanted to get me as much money as possible. She even paid me for the couple of loads of laundry I did after cleaning up the water with bath towels. Nobody ever told me it would be a bad idea to have two claims. Thanks, Allstate.

In the winter of 2010, I called about an ice damage claim. It took Allstate months and many calls to get someone here. This young man did give some to the claim, but stated most was past damage (well of course, it began previously in the winter). Fine, I was happy for the little bit to repair some.

Then on 10-14-11, I get a letter stating I've "debris" in my yard/porch and I must contact Allstate by 1-24-13 or my insurance will be cancelled. This policy I've had since 1999. (I also have several cars with Allstate). Since he didn't ask, obviously the young man that came that day doesn't recognize building materials (bricks for the backyard pathway, etc.) and he couldn't have known that recycle material/trash is taken to the dump on Saturdays because I work all week. And that I keep my bike on the porch to prevent it from rust as best I can with no garage. I didn't worry about it, because I had 14 months and I'd drag the kid back here before then on a Saturday after trash day, etc.

Today, I get a letter dated 3-1-12 that my policy was being cancelled 4-23-12 because I did not respond. Now the response date was in 2013. The young man never asked any questions when he was here and now I'm told my policy, already paid through 2013 is going to be cancelled.

I had an issue with a burst pipe under my home (crawl space). I had a plumber come out 9/11. He stated that there was a hole in one of my pipes and that it dispersed some water (about 10 - 15 toilet flushes worth). He did not say it was from flushing the toilet; he just used that term so I could understand the amount of water that was under my house.

When I contacted Allstate, the man that answered the phone started to rattle off a list of things that are not covered. When he was done (10 minutes later), I told him what the issue was (none of it had anything to do with his spiel from a few minutes prior). He told me that it would not be covered because the pipes are obviously old (imagine his surprise to learn that these pipes were around 5 years new)! Of course, the next logical thing for him to determine is, well it's very obvious that the leak had been leaking for "sometime", not covered.

My plumber had taken pictures and spoke to Allstate on my behalf and tried to let them know this was sudden and accidental (I also had a second opinion from another plumber, he agreed with the first plumber). I talked to everyone that would answer the phone at Allstate for months. Finally, they decided to send American Leak Detection out (not an adjuster). I told them that I no longer have water gushing, flowing and leaking from anywhere because my plumber fixed it already. They sent this company out anyways and I bet you can guess what happened. Denied yet again!

I want justice! They take your money with a smile, but when you need them to do their jobs, they take on an attitude that screams not my problem!

On 8-28-2011, we had a bad storm. We were without power for one week and had severe mold damage downstairs in our house. They gave us a check for $7,340.58. On October 29, 2011, we had a severe wind storm, resulting in trees down in our front yard, which took out our fence. They gave us a check for $2661.46.

We received a notice today, 2-28-12, that because we put in two claims, they are canceling our policy. I have had Allstate for over twenty years. (We have two houses.) We are in total shock and disgusted. If we had known that they would cancel our policy, we would not have submitted these claims. We called to talk to Allstate. No one wants to be bothered with us. Shame on Allstate! What about consumer's rights? Why weren't we notified that putting in more than one claim would result in terminating our policy? I will never do business with them again.

A drunk driver crashed in our home on February 01, 2012, and damaged our home, 4 vehicles, gate, and till now, Allstate has done anything, or send out an inspector to help us out. Allstate is stating that we, the owners, have to find a contractor in our area to get an estimate, and we did, but the contractor went away for 2 weeks, and we called Allstate to see, if they can send an inspector out, and they mentioned that they do not send inspectors out for homeowners claims! Never heard that before in my whole life. It's a horrible company to deal with. I kept calling them, and they keep transferring my phone call to different claims adjusters. I am looking for a lawyer. Please help!

In December, I received my homeowners quote from Allstate for my primary residence. The quote was $2400, up from $1800 last year. Then in January, another quote was sent to me for $3700 a year. I have had no claims and been an Allstate customer for over 30 years, both home and auto, never having filed a claim. I am upside down in my house trying to hold onto it and will possibly be laid off from my job in September. My agent is worthless and indifferent! I am going to drop both home and auto insurance from Allstate and never do business with them again. I recommend everyone else do the same.

I received my policy renewal from Allstate. This policy covers a summer residence I own in Pennsylvania. The cost of the policy increased from $1002 to $1365. Over 33% increase. No claims filed last year. A claim was filed approximately two years ago. At that time the premium increased from approximately $700 to the $1002. So in the few years I have had Allstate, premiums increased 100%. Imagine that. The explanation for this year's increase include more storms in the area than usual and payouts exceeding premiums. So to make up the difference, just increase everyone's premiums. I would love to have a business that I could make up the difference on the back of my customers and the customer has no recourse. This is legal robbery. The housing market has been down for 3-4 years. Did my coverage change because my house is valued less than before? No, it did not. Premiums were never adjusted. To be able to do this unilaterally is simply unacceptable.

Recently, my basement suffered severe flooding. The original cause was thought to be a bad sump pump. I filed a claim via the Allstate 800 number, spending almost 30 minutes between the wait and the time to explain the need for a claim. The overall filing experience was ok and I was left with a feeling that all would be taken care of by Allstate.

Silly me for trusting Allstate, when they finally got around to contacting me several days later, (they delegated this to a minion, not the actual adjuster in charge of my claim) I was informed there was a clause in the fine print which specifically denied coverage for sump pump failure.

This was rather upsetting, considering the length of time and care I had spent when setting up the policy in the first place. When establishing the policy, I was very clear in describing my coverage needs. I very carefully explained that I required coverage for sump pump, ground water, and for absolutely any reason the basement might become flooded or otherwise suffer water damage. I was assured the coverage would be in place.

I've come to realize it is a good idea to have an attorney examine one's policy after it is written. Allstate is apparently quite good at and seems to be renowned for sneaking in exemptions.

Two weeks after my claim was denied, new information came to light which completely changed the reason for the original flooding. I reported to the adjuster that the flooding was caused by a broken drain pipe fitting which had been damaged by a contractor who installed my backyard drain field. They had drilled right into the drain pipe or otherwise broke the fitting when installing the drain field output pipe.

I reported the new information to the adjuster. She promptly informed that: (1.) the sump pump exclusion definitely did not apply (yippee! I thought), but (2.) there was yet another exclusion in the fine print which did not provide coverage for any standing water, water below ground, or water from outside the house making its way into the basement. In my opinion, given her tone, she really didn't even try to disguise her lack of concern either.

Again I fall back on my original conversation with the policy writer(s), with whom I had specifically stated the need for coverage against my basement flooding for any reason. It's a shame when we have to hire an attorney to read our homeowner policies to ensure the "Good Hands" people won't sneak in exclusions. I'm now out $20,000 of my hard earned savings. It took me 24 years of military service to build up a nest egg, only to have it destroyed.

3. In my humble opinion, Allstate is a terrible idea. Save your money for a more trustworthy company.

I am a veteran who returned from Iraq after a year of deployment in June 2011. During my deployment I filed for divorce and the judge ordered my ex-wife to move out of the house. On or about October 26th, 2011, I walked in my home to it vandalized. After filing a police report, I called Allstate Insurance to report the damages.

Today is February 8th, 2012, it has been 102 days now since my claim has been filed and I have not heard anything from Allstate. I've been in contact with the GA Insurance Commissioner, my congressman, the mortgage company. Now Allstate wants another recorded statement from me of what took place. They said they would call me to get that statement last week but I have not heard from them. I am left now renting a room for the past three months from an Army Sgt. I served with in Iraq. I would like to thank Allstate for doing a superb job in taking their sweet time to work my claim.

In October 2011, a piece of personal property was stolen from our locked property in our absence. Allstate refused to cover it at all. I had been assured we were adequately covered, agent visited us last fall. Our loss would require in excess of $30,000.00 to replace it. They claim that they are exempt, based on a fine print in a clause that was never intended to cover that item . They say it could not be used off my property and I used it in volunteer activity at the church. But it was stolen from our home property. They will not pay a penny! Allstate advertising is one grand sham!

I want to file a complaint about the recent television commercial that AllState has been running. It really does need to be taken off the air. It is appalling how the commercials, (1) show men in an inferior position and (2) show men as dumb. This particular commercial shows a "young white guy as dumb," clearly stating that in the dialogue within the commercial. The commercial shows the Negro and the Hispanic as smart. Why does any commercial have to show anyone as dumb? No, they can redo this commercial to not degrade anyone. It is clearly a put down to a young white male.

My family and I are sick and tired of the way men in this country are being depicted in the television commercials, and AllState is certainly participating in this despicable way of communicating a point. It makes me angry. If I saw this commercial and I had AllState Insurance, I would drop it in a minute, no, a second!

My Homeowners premium increased 31%, far in excess of the State average and my neighbor's premiums. I've had no claims in 12 years.

In 2008, I called the Allstate agent as I had wind damage on my roof. They did not pay anything out, instead I paid for the repair. I am going to change to another company, as Allstate has gotten too expensive and this claim shows up as a claim, without a payout of funds. This action on Allstate's part brings my rate up and they refuse to even write a letter to submit to the other company. I have been a good customer for over 20 years and feel this is an unfair action. It results in about 40.00 more a 6-month policy in my rates. I work only part time, and do about 20 hours of volunteer work a week. I feel this is extremely unfair .

Just received notice from Allstate that my homeowner's insurance is being cancelled because I don't have an auto policy with them. Within 7 years, no claims and I always make prompt payments in full. They gave me three months warning, but I called Geico and they gave me a policy for about the same price with twice the coverage. I am not happy with Allstate!

In Feb. 2010, our garage was collapsed due to the blizzard and we had no problem with Allstate at that time. Three weeks later on March 9, 2010, I received a phone call that my home was on fire. I received the check for the garage in the mail that day and called the insurance company to appraise them of my home burning.

A salvage company was hired by Allstate to do a cleanup and salvage of our home, which had been condemned by the fire marshal. The company was continuously being pulled off our home to "do smaller, quicker jobs" and did not complete the cleanup until April. At that time, I called the inspector for Allstate to let him know they had completed cleanup. He did not go in in inspect the home until May. In the meantime, we found a home to rent and Allstate made the necessary arrangements and also made arrangements for furnishings under temporary housing. I then had to ask for money to begin replacing our belongings as we only had 180 days to replace or we would lose the money.

In August of 2010, I finally received a check for approximately $69,000 for "gut and rebuild" of our home, which I then forwarded to my mortgage company. I was unable to purchase the large appliances for our home at that time as I had no place to put them and consequently the 180 days expired for replacement. Along with the check was a letter which stated that if my contractor found anything additional to let Allstate know and they would allow more funds. I then found out that "Homeowner's Deluxe" does not cover code updates, that is a separate rider. My contractor also found that the roof had to be replaced from damage and contacted the inspector who basically told him we had gotten all the money we were going to get and they were not going to do anything else.

Also, because of the length of time to get the funds for rebuild, we had to start paying the rent for the rental home of $1000 per month, as Allstate stated we had exhausted our"housing money". I spoke with Allstate last week who defended the inspector and never could give me a reason or excuse for him taking him so long to get us us money, why they washed their hands on us when more damage was found and basically swept us under the rug. Because of the cost incurred to us having to pay rent, we could not also afford our $1100 per month mortgage and our home was foreclosed on last week and I am still homeless/displaced. I was not able to replace my belongings because of no place to store them and I have lost 51 years of my life basically and Allstate doesn't care.

Control inspected my attic and said that the insulation must be removed and total clean out due to the Hazmat nature.

I understand that they won't pay to clean it or replace the insulation due to the Hazmat problem. Now I have other damage from the raccoons because they chewed on wood wires and walls. Because of that, they entered the house in November of 2011 and this has been going on for this long and I just now last week called Allstate about it. They won't pay anything but the hole of entry and the Owen Animal Control. Again, big deal, $300. The problem is I'm only home 20% of the time. I thought I had insurance so I didn't have to worry about things. I thought I was in good hands.

I recently closed on a house back in November. First week into the New Year, I received a call from my local agent saying that my insurance will be dropped towards the end of the month because the exterior of the house was not able to be inspected. The agent checked into the matter after we spoke and she said that someone came to the house around the end of October but was told I never lived there. Well, of course not, that is the reason I was purchasing the house! She also asked if I was doing a re-write. I have no idea what that means--Allstate knew I was purchasing a house. I was in contact with them for an estimate.

Today, I received a check in the mail reimbursing my money that I just gave them. They are supposed to be doing another inspection with accurate directions to the house. I have no idea when they will be inspecting (whether before or after I get dropped). If they are re-inspecting the house, why would Allstate send me my money back?