Allstate Homeowners Insurance

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?

I received a letter around Christmas over a roof on a shed that had a hole in it. I spent over 2 grand to redo the entire roof on the shed. I called to get an inspector out to keep my policy from being canceled. I was told by the pictures I sent to them that all was good now on my roof but, unless I added my auto insurance to the policy, they will cancel me out on the 31st of January. How crooked and shame on them. That is horrible!

Purchasing a home in November 2011, I received a "surprise" Allstate home inspection. The following month I was sent a Homeowners Policy cancellation letter in the mail. It gave me approximately 30 days to install an outdoor handrail in the middle of February (in PA), 7 of which I was scheduled to be out of town. The letter states that they "encourage me to obtain insurance coverage elsewhere". I had paid the premium for the entire year up-front.

Post-inspection, I was never given information regarding the inspection results nor the courtesy of informing me what items needed to be brought up to their specifications. Since Tillson Insurance Agency had not made any attempt to contact me with any concerns from the inspection, I assumed all was well. It was a big mistake. I now have to come up with $1200.00 in the next couple weeks to hire a contractor. I have a 50 foot railing installed on outdoor flagstone patio stairs that are not even used to enter into my home.

While on vacation, we were robbed and upon returning, we filed a police report and turned into my All State Renters Insurance. The long and short story of the situation is that 9 thousand and change was estimated by their computer and I was sent a list of items that had what percent was to be paid to me being 3 thousand and change. I was told that I had $80.00 deductible and that any receipt would subtract that amount but after turning in $1500.00 worth of receipts, I was re-issued a check for 3 hundred and change being pro-rated from what I was paid the first time. I had over 23 thousand dollars worth of guns and guitars stolen and instead of treating me like a school kid and holding back the estimated value, All State is playing a shell game and doling out the estimated total.

They are giving me 180 days to use up to the total of 9 thousand and change but only giving me 1/5 of receipts value which would take me spending a hell of a lot more money over and above the remaining 6 thousand and change to be given out payments in increments instead of just giving me the estimated total and let me go about my way of replacing what I could from what was given. I am leaving All State and after 10 years, I am not being told about a rider and all the talk out of the side of their mouth being told different things from agent, the insurance claim office and the different people I have talked to there.

Sounds like several other folks have had the same issue.

In April 2011 at 1:30 am, we had a feeder line burst in an upstairs bathroom flooding the lower level (family room, bathroom, laundry room and storage closet). We stopped the water and cleaned up the 2 inches of standing water downstairs. In the morning we called Allstate to initiate a claim. They asked for the feeder line which we provided. Allstate was able to file against the manufacturer and received all but $6400 back. The adjuster minimized items so low we had to go back 3 times to adjust and still had to do 80% of the work ourselves.

They would not replace the soaked carpet; they said clean it and restretch. $90 for a 21x14 room (it was over 20 years old and fell apart as we tried to move it; we replaced all the floors at our own expense). The biggest payout was to Servpro, which they sent out and they paid directly after 9 days of hell for us. Servpro cut holes out of our walls and ceilings, cut carpet padding in half and had to come out several times to add dryers.

It took us 6 months to replace drywall, flooring, paint, etc. as they paid so minimal I had to do the majority of the work. Within 6 months (right after they took the renewal money from our escrow) they sent us a letter that an inspector was coming to see if there was any issues on the outside of our house that needed to be fixed or they "would drop us" (after they got the next premium that raised rates more than $200). A message was left on my office phone that this inspector found moss (we live in WA) on an outbuilding and per the local Allstate rep (Andrew H.) this was a minor problem.

As we were going on vacation I figured it would wait until we returned. By the time I got back there was another message from Andrew saying we needed to fix the problem or could be dropped. We cleaned it and sent them multiple pictures. They then said we needed to send a picture at the same angle the inspector took (as we had no idea they had to send us a pic) to close the case (Andrew H). Heard nothing more.

Yesterday, I saw a man taking pictures of our house from across the street (no notification from Allstate). Another Allstate inspector! He said he was sent to take pictures of not just the outbuilding but now another area. They are now saying the previous inspector had also identified moss on another roofthe carport. We were never told about another area. When I went up on the roof the moss was so minimal I almost laughed (but I was too mad). Horrible, horrible insurance company!

If they wanted to drop us they should have just told us instead of putting us thru 3 months of **! By the way, I wonder what they do with thatch or grass roofs. I have since called and dropped them and went with someone else. Now I have to wait for 8 months refund. Their attitude when I called is "it is what it is". Horrible, horrible insurance company! By the way, Andrew sent us a letter today asking us to bundle our homeowners and auto---it even had a personal note wishing us a happy holiday! Are they kidding?

In July of 2011, I was woke up by fire alarms screaming through my house at 8 in the morning. I was asleep in the den, so I ran out to find that our office was engulfed in flames. I woke my brother by yelling and he woke my parents. We ran out of that house in nothing but our underwear. This was our second house fire and we thought we'd just never have any luck with owning a house. The first time was years before that due to a faulty oven. This time, when I ran out and seen the fire, I noticed that the window unit ac in our office and the wall/ceiling above that was on fire. Comforted by our family and friends that morning, my parents called our insurance company, Allstate, and explained what happened.

Our adjuster, James, was at the scene the following morning. When we arrived, he had already went through the house and determined that it was repairable. The inside of the house and the roof would have to be gutted and the only thing original would be the outside walls. He wrote a check for living expenses for us to find a hotel and for food/clothes. About a week later, Allstate assigned a "professional fire investigator" to come investigate the scene. He had no idea what he was doing. He started by pointed at a plug-in where our computer used to be saying that's where the fire started, and I corrected him saying nothing on that side of the room was afire. A little while later, he said that the breaker box is definitely what caused the fire. I corrected him again. He ended up taking the window unit for inspection. (There wasn't much left of it, seeing as how it literally exploded out of the window the morning of the fire).

Now this is where it really gets interesting. The next day of his investigation, he brings in an "electrical expert" who dissects the air conditioner and a little heater that we kept in the office for winter. It's July so my parents and little brother go to get some water from town while I stay at the scene. This fire investigator comes up to me and asks where we kept our gasoline. I told him in the backyard with the lawnmower but it was in the front yard earlier that we because we mowed. He said that in the office under the window, there was gasoline poured all over the floor. I was shocked.

When my parents got back, he asked my mom if she could find the gas can so he could "inspect" it. The firefighters took it to the neighbors house the morning of the fire. She hands it to him and he mysteriously walks behind the house with it for a few minutes, then comes back and says put it back where it came from. He then goes back around the house and comes back with a clear McDonald's cup with a bit of gas in it. He told us that our house was set on fire. He asked my dad to smell the area where this "gasoline" was. Dad didn't smell gasoline, but the floor was damp. This raised lots of questions. First of all, the floor wasn't on fire that morning.

Second of all, there were 5 or 6 or the clear cups around, because my cousin brought us water after the fire that morning from the local McDonalds. Seems suspicious, huh? Since July, Allstate has continued to call and question my family and anyone affiliated with us that could give them a reason to deny our claim. Today is their last day before our attorney files a lawsuit. They've stopped paying our rental furniture payments and stopped paying the rent for the house that we currently live in. If they deny our claim for this false arson, my family will not have a Christmas or a house to live in come 2012.

I checked around for better rates on ins and found Allstate was giving me the best rate, well upon getting with their agent in auburn in transfer was fine until 3 months later when they raised their rates on both policies by $40.00 the purpose of getting all state was their price. But now I see it was a lure to suck you in, then when I found progressive ins, and canceled with Allstate. They try to run my charges into next month, I call them and it was suppose to be cleared up, a month later I get a collection letter for $30.00 more and hassling phone calls, someone needs to check out this consumer gouging, beware of Allstate in, they are not what they say.

Allstate offered me $400 when one of their policy holders knocked the bumper off my car. It is hanging on by 1 bolt. They claimed "prior damage" due to a small, quarter-sized scuff on the bumper, and reduced the amount owed from $1,100 to $400. The scuff was a $700 incident of prior damage. My car is cannot be driven, and the $400 they offer, will not pay for a bumper, even an unpainted one, to be put on my car. Good hands? More like hands in my pockets! Allstate is a company of thieves. Since I cannot replace my bumper, they are going to take away my rental car, and force me to drive a car that is unsafe, and potentially hazardous to other motorists.

They can't never find my homeowner policy and always have my phone number wrong. I been with them three years and they never can't get it right.

I had filed a claim on my homeowners policy because we had a bad storm and water got into the basement and damaged the freezer causing me to lose the freezer and all contents. They said it would have been covered if a pipe had burst and caused the water damage but not because it came from rain. This is absolutely ridiculous. This is the second bad situation I have had with Allstate and I guarantee that I will be changing my homeowners insurance.

I came home from work, and had damage to my home. My neighbor hired a tree cutting company, and the tree ruined all my wires, pulled the electric pole off my roof, and ruined parts of my roof too. They refuse to pay on a claim, because they said i should go after the tree cutters. The home owner hired them, and they refuse to pay damages too. The owner of the home, per my attorney would be the one who is responsible, and Allstate is the homeowners insurance, and they refuse to pay.

I want them to pay on claim **. Also, the workers trespassed on my property, and went on my roof without permission from me. Trying to camouflage the damages.

I spoke with a representative to transfer my insurance coverage for two motorcycles from Progressive Insurance to Allstate because the quote that I received would have saved me $ 20/month. I was quoted and told one thing but the total opposite happened. I was told that my first payment would come out of my account on 11/28 for $158 and each month thereafter would be $131 on the 28th of each month. The rep also emailed me a letter stating this same information. I received an email from Allstate stating that they will be withdrawing $288.28 from my account on the 28th. This was for two months and I was told that there would be a total of $158 coming out.

Well, what happened was my policy was scheduled to start on 11/01 although I still had Progressive. When I called the rep and received the quote on 10/24/11, I told the rep that I was not going to switch that soon because I had coverage with Progressive until some time in November. I was not about to pay double for coverage that I already had. The representative told me that if I signed up with her on the date in October that I would only pay the $158 on 11/28 and $131 thereafter (and sent me an email confirming the date and amount to be deducted from my account).

This is not right and it definitely isn't fair. If that was the case I would not have started my coverage with Allstate until after my policy had ended with Progressive. Apparently, the rep told me incorrect information and sent the information to me in writing. Allstate in a multimillion dollar company and they're coming after me for a mistake of their representative. This is wrong and highly unethical! "You're in good hands with Allstate", definitely not!

These stories are all the same: pay and pay all your premiums and the insurance company drops you because they want to either re-write your policy if you've had it a while and have never defaulted on payments so its cheap, or you file a claim and they drop you or want to rewrite your policy. Everyone should know that when this happens. It is within your rights to file a claim with the insurance department in your state. They are responsible for keeping the insurance companies honest and fairly dealing with claims and policy holders. If you think something looks suspicious, don't just roll over and take it - do something about it. Only then will the big insurance industry bring down premiums and start to once again back their policyholders instead of their politicians and lobbyists.

I had Allstate for 6 months or more. I have fixed and done all they asked. But I guess it wasn't enough. So now they think there is no one that will insure me. What do they think, they are God? I don't think so. Well, I think I will sue their company, get some of my money back. This is a bad, bad company.

We had insurance with Allstate for 16 years. After filing a roof damaged by hail claim, we received about 25% of the money it takes to replace the roof. Allstate told us to find a company to replace the roof and we will receive the rest when the job was finished. We sent at least five companies to Allstate to replace the roof. Allstate low balled all of the companies we sent to them and we ended up not getting the roof replaced. Afterward, they dropped us due to they said it was some paint peeling on the house without ever giving us a chance to repair. Shame on you Allstate (the bad hand people).

Absolutely horrible! They issued a policy and canceled it one week later after they made up a fictitious name and stated that person could not be insured. That was the reason for cancellation. They then refused to correct the mistake and had the agent re-write the policy at a much higher premium and refused to do any adjusting. I have certainly cancelled them and found insurance much less than the original policy that canceled with another carrier!

Allstate has underhanded practices. They break the law to stay within the limits of it and screw the consumer in the process. They know what the law says in each state and know that they can only cancel for certain reasons. In my case they made up something and canceled based on that, even though it was wrong. I also see this is common practice after reading the complaints here. I declare a class action suit needs to brought against them.

I received a letter a few months ago stating my insurance may not be renewable and no reason. I called my agent to ask what was going on. I never got a call back! Today, I get a letter stating our homeowners insurance is not renewable because they have not been able to do an exterior evaluation of our home. We had one person come 8 months or so ago unannounced at our door in a private vehicle wanting to poke around our property. We couldn't verify who she was, so didn't allow it. I called my agent and days later, he called to say someone was coming to do this. No one ever told us or called us to ask when they would come by.

Since that time, no one had ever asked or attempted to come inspect our property again. This is complete garbage but a blessing in disguise. I''m very unsatisfied with David ** and Allstate and would not recommend them to anyone based on the way they do business. We are happy to get homeowner's insurance from someone else.

I hope you enjoy your unemployment, I'm not sure why you are firing customers that pay bills on time every month. You have done nothing and changed nothing. I'm happy to shop elsewhere, apparently you have excess funds and can afford to get rid of low risk customers for no reason. With tactics like this, you should be bankrupt soon.

We have had our homeowners insurance with Allstate since 1997, always paid our bills and never had a claim. Today we received notice our policy will not be renewed (no reason given). I called and am told that it is because we do not have our auto policy with them and that other people in the area have filed a lot of claims (Not us!) So, basically, we have given them 1000s of dollars for nothing!

I had water damage to the back wall of my laundry room that I was unaware of because there were boxes stacked up against that wall while we are moving. The sprinkler system in the backyard was broken and had been spraying water onto the back of the laundry room wall and running down inside the window then soaking the insulation and the wall. It had also gotten into the laundry room and wet the carpet that the boxes were sitting on. I noticed that the floor was wet and started to move the boxes to find out where the leak was and to my astonishment, the boxes were wet and the wall had mildew and mold on it. I tried to file a claim with Allstate and they said that the claim would be taken and approved for water damage and property loss. I had to wait a week for the adjuster to come out to inspect the damage.

In the meantime, I had a disaster relief team clean all the mold and mildew up and tear out the carpet along with the damaged wall and insulation. The adjuster came out and measured the room and downloaded the pictures I took of the incident. He told me that he would talk to his manager about the claim but that since there was mold and mildew, the claim would probably be denied asserting that it was an ongoing problem and that I should have noticed it sooner. I don't know how I was supposed to know that the sprinkler was broken and that it was soaking that part of the house until I saw the water on the carpet. Well he talked to his manager and told me that the manager said that this was an ongoing problem stating that it was called normal wear and tear on the house so that they were going to refuse the claim and I would be left to fix the damage myself.

Well now, I have to pay the disaster people and I am left with fixing the wall, the carpet, and losing my personal property for an insurance company that says they will take care of you no matter what. It's a disgusting lie. How can they take your money and leave you high and wet in this case.

After almost 15 years, and no claims, we question Allstate about Hail damage. Coincidentally, we get a call saying that our policy was going to be cancelled, but not to be alarmed that they are re-writing it because it was done wrong for 14 plus years! Now, the policy has more than doubled from what it was. I have read and re-read my original policy; there was nothing wrong about the way it was written.

My next step is the Better Business Bureau. I cannot afford another rate increase. You cannot tell me this is the result of a mistake of over 14 years. I am still not sure about accepting check for roofing, which was way under estimates and I will be looking for new insurance company.

A few months ago, Allstate gave us a good quote. Afterwards, we waited for the policy but instead got our first bill; we never received a policy card or anything. They sent two late notices and the policy wasn't to be paid for another two weeks. I called and told them that we have never received a policy, and if they done business like this, just forget it and I would stay with the company I was at.

Approximately one month later, we received a letter and a phone call where they had placed us in a collection agency, for failure to pay! How can they do this; I will not pay for a policy that I didn't even receive any paperwork on, just a bill. This shouldn't be allowed for any company to do this!

I shopped around for good quotes 4 yrs ago when my daughter turned 16. Allstate had the best rates for a teen driver so I went with them. I then switched my house to them as well, for the bundle discount. 2 yrs ago I rec'd a letter stating they wanted to do an inspection outside my home. I then rec'd a letter that they were dropping me due to moss on my roof! I have a 111 yr old home that is in excellent condition with constant improvements being made. I also asked 2 slate repair men to come over and look at my roof and offer ideas. The roof does not leak and does not have fuzzy green moss but rather black and white lichen.

Almost every house in our town has this-as i live in the slate capital! The roofer said that this was causing no damage and to try and remove it would cause damage. My agent worked on my behalf and told them it was fine. They didn't bother me until last week! I rec'd another letter that they wanted to inspect my home. They once again said they were dropping me for having moss on my roof. I have not filed claims and have not had any accidents. I called my agent and told him I was leaving. He said that this was happening a lot.

My husband and I recently purchased a home which required us to shop around for homeowner's insurance. We spoke to multiple insurance agencies to get price quotes, and through competitive pricing we selected Allstate. Once we closed on the house I received a letter from Allstate stating that our home value had increased by approximately $62,000 causing our premiums to increase significantly. I contacted our Allstate representative to get an explanation since I thought a letter in the mail was not good customer service, and that I needed an explanation since we had an appraisal on the house during closing. The representative explained that a sight visit was required, and during their inspection they determined that the replacement costs would be higher than what Allstate originally quoted me. I requested a copy of the inspection, and that I wanted to know the process of how to rebut the increase.

Approximately two weeks later I still did not have a copy of the inspection but received a letter stating that our replacement costs have been re-evaluated, and determined that the replacement costs would only increase by $40,000. Then 2 days later we received another quote that our premiums had increased again. Since we had only been with Allstate for 2 months and our premiums were constantly changing we decided to shop for a more reliable agency. Once we did price comparisons and spoke to multiple agencies about our situation, we decided to change (all agencies stated that the value of the home should not have changed so drastically since we had an appraisal done valuing the house around the homeowner's coverage requested). When we called our representative about cancelling the policy we were notified that we would have to cover the highest premiums quoted. Even though I do not think we should have to cover the highest premiums for the months we were insured with Allstate I wanted to cease all business actions with them. However, it has now been over 20 days and we still have not received our refund from cancellation. I am so disappointed in Allstate's lack of customer service and professionalism.

I am contacting you regarding the recent activity on my Allstate insurance claim. In September 2011, my basement sustained a large amount of water damage. Allstate sent adjustor Thomas ** out to my home to survey the damage. On this date, I received the written claim which states that I am to be given $11,669.04 in order to repair my basement to its condition prior to the storms. The event was classified as water damage. I specifically advised Thomas that water entered the basement through the french doors & the 90 degree elbow disconnect from the pvc pipe which recycled water through the sump pump.

-I have 15 recessed lights placed in my ceiling. An electrician would have to come in to properly reset once replacement ceiling was put in.

As none of this was included on the original claim, I contacted Allstate to send Thomas back out for further review & possible increase in funds on my claim. At that time I was told that Thomas is no longer working in my area & once they could send me a new adjustor they would contact me. Two weeks later Caid ** came out to our home to address our concerns. Caid took a quick look at our basement & proceeded to go out to his vehicle for the next half hour. He came back into our home & advised that we were not covered under our policy & if it was him conducting the initial assessment we never would have been awarded the $11,000. We got our agent John ** on the phone & proceeded to debate what our policy included and did not. It became quickly apparent that John & Caid were not on the same page as to what we were paid for, what was available to us here in Virginia and what monetary amount Allstate would provide.

-This evening another employee called me from customer service to discuss & the end result was the employee advising they did not care if I escalated the matter.

At this point, it is obvious that there are several inconsistencies in what we are being told & the issue is becoming more confusing by the day. Bottom line, I was told almost 2 months ago that I had full coverage & now suddenly I am told I should not have received a cent. The error is theirs not mine. Please confirm whether you are able to intervene.

To begin with, we had a similar experience as one of the other consumers. While I was out in my yard, quite a bit away from the entrance gate, two men waltzed up from the highway, through the bushes, and toward my front door. My wife was startled and somewhat apprehensive as to who these guys were! She called for me and they announced that they were from Allstate and were there for an "inspection". I told them that I didn't appreciate how they came on my property unannounced. They took offense and said, "Do you want us to leave? " I said, "No, just do what you have to do and go."

Later that afternoon, my wife called our agent to complain about this "method" and he assured us he would "handle" it. A couple of months after that, we received a cancellation letter stating that we were being dropped because we had some "moss" on our roof. Of course this is totally ridiculous and we definitely feel that we were cancelled due to the complaint we made about the "inspectors" sneaking up on our property. They obviously got offended, angry, whatever and decided to get the ball rolling to cancel us, which they did!

We filed a claim due to storm damage (wind,hail) to our roof and now, we can't even get a repair even though our policy has not expired yet. To tell all about the experience we just had with the "adjuster" would take a couple more pages. So, I will end this here and hope that you get the gist. I do want to add, however, that the "adjuster" and her cohort damaged my roof even more and now I am left with more problems. We have always paid our premiums and never filed a claim with them.

I just had the same experience that the gentleman from Virginia had regarding a "safety" inspection. I have been insured by Allstate at this same location for nearly 25 years and have never had to have an inspection before. I asked my agent what it was all about and he gave me two different stories that had no connection to the wording in the letter. I told my agent that the inspectors were not welcome on my property until I was given a real reason for the inspection and that they had to schedule their inspection with me so I could be present. They just showed up today without notice while I was away at work. My wife told them that they were not allowed on our property without me being present. We will see where this goes.

On September 16, 2011, a claim was initiated through Allstate claim processor center. On October 13, 2011, my claim was denied because of no coverage. My problems are as stated.

(1) I wasn't sure how to translate the policy jargon. To a lay person it is meaningless talk. So my first question was do I have any coverage for a stolen air conditioner? Why would I even consider filing a claim on something that is not covered? (2) The question was never answered because they did not have access to my policy, but a claim has to be initiated for further investigation, which meant that the person was not qualified to assist me. (3) After the initiation of the claim began, I received several follow-up calls from Allstate requesting additional information such as estimates. The calls were very irritating because I was continually receiving message like I was being harassed and was past due with a bill. Also, I was asked the same questions over and over again. (4) The claim was denied for no coverage. Which was the question I asked initially and never received an answer. Do I have coverage for a stolen air conditioner? Sorry, Allstate, that question took only one minute to answer. Wasted manpower, misuse of funds and wasted time.

Over the years insurance companies has made several adjustments. I can remember the time when claims were handled more efficiently and effectively. When you don't have coverage for a particular incident, I believe a claim is filed by an insurance company to tarnish your insurance record, justify paying the claims adjustors, and the 1-800 number operating. This is a serious waste of money in the insurance system and one day, I believe, they will reap their harvest. Insurance policies are very confusing to consumer and consumer education is very important. Consumers, beware of the money spent with fancy advertisement and commercials. It's only a cover up. There is a serious problem within this organization.

I recently received a call to bundle our Allstate home and Auto insurance. The home is with Allstate, while the auto is with Geico. We turned them down. In less than two weeks, we received a letter from Allstate informing us that an agent will be visiting our property to look for hazards. They also stated that we do not need to be home for this inspection because it is outside. We feel that this is not a coincidence--all of a sudden, receiving this letter. We have been with Allstate over 40 years and never heard of such socialistic practices.

I have been with Allstate for 14 years and have never put a claim in previously. I have (had) a finished basement. On 8/27/11, during Hurricane Irene, a PVC elbow pipe attached to the far end of our sump pump at the wall burst. It caused water to continuously spurt out of the crack, preventing its evacuation from the house. The water simply redistributed back into the basement over the entire evening causing severe water damage. When my wife called the Middletown, DE office at (302) 449-0200, she was redirected to a response team and spoke to an agent named Lindsey. My wife told her that a pipe had broken on the sump pump causing a lot of water damage and also causing the pump to burn out. Lindsey reviewed our policy and told my wife that we were covered for the damage minus the deductible. She also said not to make any immediate major repairs, but we should fix the pipe and the pump and have the water removed and cleaned up. We just needed to keep all of our receipts.

I called Miller Heating and Cooling Company. They immediately came to the house, replaced the broken pipe, and put in a temporary sump pump to keep the water from overflowing, which it did. I then called a Rainbow International-a restoration crew for the cleanup. They were scheduled to come on Friday, 9/2/11. I again called the Middletown Allstate office on 8/31/11 prior to make sure we were covered for the damage. I stated what happened and my policy was reviewed over the phone. I was told that I was covered for the damage and that I would only be charged the $250 deductible.

On Friday, 9/2, the restoration crew came and cleaned the water and removed the damaged drywall, insulation, electronics, toys, furniture, shelves, etc. On Saturday, September 3rd, I received a call from Allstate by a person named Gregory **. He stated that according to his information, I would not be covered for the damage to the basement because I don't have a sewer, water backup endorsement. This was shocking as I have never heard of such an endorsement and I was never informed that one existed. I have Deluxe, Deluxe Plus Homeowners Policy and spare no expense to protect my home. If I would had been made aware that such an endorsement existed, I would have paid for it and added it to my policy. I certainly was not offered it and I never signed any waiver stating I do not want such coverage.

On Monday, September 5th, Bob ** (sp?) the adjustor, came to assess the damage. I provided him with pictures of the damage, a picture of the broken pipe, the bill from the plumber (stating that there was a crack in the pipe and had to be replaced), my original basement proposal, and my list of damages. I was told by Bob ** (sp?) that a broken pipe was indeed covered under my policy. And he held out his hands and said not to worry, we were in good hands with Allstate. Three days later, I contacted Mr. ** who then changed his tune and said it's a gray area and we might not be covered. A week later, I was officially told that my claim was denied. The reason given was this gray area. And the broken pipe was attached to my sump pump, which is not covered under my policy and would only fall under that sewer, water backup endorsement. I contacted my local agent Mr. Roland ** and reviewed my case again. He stated that if I was told that I was covered by 2 different people, then I should be covered. But on his end, there is nothing further he could do.

I feel that this is ridiculously unfair and I feel cheated. I also feel that Allstate looked for a reason not to cover my damage. Now, due to this denial, I am stuck with a $4,000 bill from the restoration crew, a crew I would not have hired if I weren't told on two occasions that I was covered for the damages. I also now cannot afford to repair the damage to my basement. My once completely finished basement is now in shambles. Two feet of drywall along with the insulation needed to be cut out. The molding was removed. The furniture was ruined. The rugs and flooring were removed and my children's toys were destroyed. In closing, Allstate says that I am not covered because of a broken pipe (that three different representatives from Allstate said I am covered for). But it was attached to a sump pump that isn't covered due to some "sewer water backup endorsement", that I was never told about and never signed any declaration denying that coverage.

In order to pursue this further, I put in a claim with the Delaware Department of Insurance on 9/12/11. I was told that Allstate had to respond within 21 calendar days. On October 3, 2011, Allstate had not replied. And when contacted by the Department of Insurance, their excuse was they never received it. On October 11, 2011, Allstate denied the claim a second time for the same reasons given originally. When asked what I could do, I was told to file an error and omissions form with my local Allstate office. When I contacted that office again, they had no such form and directed me to call 1-800-255-7828. I was put in contact with a representative and bounced from one department to another as no one had ever heard of such a form.

I then proceeded to contact a Mr. John ** (inside adjustor) to pursue an error and omissions form for my case. He expressed that this was an appropriate avenue to pursue. And he also felt that errors were made in being told so many times that we were covered and then having that decision backpedaled. On 10/13/11, after not hearing anything further, I called the 800 number again and par for the course with Allstate. No one knew what we were talking about. They suggested that I speak with a Chad **, a claims adjustor manager. I called and left a message explaining the situation with no return call back from him.

I called the 800 number a third time and spoke with Mr. ** again. He gave me the names and numbers of 3 additional people to contact - a Mr. Gary **, a Ms. Lynn **, and a Mr. Chuck ** - all of who I have left messages with. No one has had the courtesy to return my calls. On 10/15/11, I yet again called the 800 number and this time I spoke with a Mr. Ryan **. He saw the trail of phone calls that have been made and once again I explained my case. He reported that he was going to speak with his supervisor and put in the errors and omissions claim. On 10/16/11, I received a phone call from a Mr. John ** (sp?) as I have also filed a grievance through the Better Business Bureau. I was informed by Mr. ** that this error and omissions form is only for errors in policy writing. When I explained my case, he basically said that while he will investigate it further, I should not expect this claim to be put through. Allstate isn't accountable in any way. While Mr. ** was courteous on the phone, the lack of respect that I feel I have been given as a customer in this entire situation is uncalled for.

While I understand the policy/contract reason the claim was denied (not having the proper endorsement), when do the insurance companies become accountable for not properly informing their customers of all the coverage they may need? In the 14 years I have been an Allstate customer, I have only heard from them in writing when there has been an agent change (3 times) and when my policy is up for renewal. Even then, it is a declarations page and nothing more. When I finished the basement in 2005, I called Allstate to inform them. Still, no mention of a water/sewer back up endorsement was ever made. I also understand that as a homeowner, I am responsible to know my coverage. But when no one ever tells me what might be available to protect my investment, my hands are tied.

After paying my premiums for more than 8 years, Allstate is also guilty of this new 5 percent deductible. The person who got $5000 from State Farm is lucky. I got nothing but sorry, it is a Virginia based deductible. We cannot help. It is the policy. I am stuck with paying for over $8000 in repairs. And still, Allstate is getting my premiums. I thought about going to State Farm because they are wonderful with insuring my car. Now I am not so sure after seeing the comments of others.

I own a home in Bayside Queens, NY where a hot water exploded. Allstate is denying my claim. It is clear-cut in my policy that a sudden occurrence is a covered loss. A pipe explosion is a sudden occurrence.

The hot water pipe, under the sink, has burst. The result was flooding, kitchen counter and cabinets being blown off, and mold growth due to the steam and hot weather conditions that NY was having. Allstate is denying, saying that it was a long-term problem which is not. I need to have mold remediation done and I want compensation for my loss.

I filed a claim for hail damage here in Saint Louis after the May 25th storms.

The first adjuster came out and after introducing himself and handing me their claim folder, he stated that he was not replacing the roof without even looking at it. He then told the roofer that he wasn't replacing the roof before going up there. The adjuster never went up; the roofer showed the pictures on a laptop and then said that he would use binoculars to inspect the roof, on a two and a half story house on a rise with a Spanish tile roof, no less. He told me that they would replace tiles at the rate of two tiles for each broken one.

I complained to my agent and the following week, the original adjuster came back with his manager and two younger guys to meet with the roofer. I wasn't home for this, but the roofer commented that the manager's attitude was totally negative from the start. So, the roofer puts up a ladder and the two younger guys go up with him to the edge of the roof. I was told that their comment was that the roof need to be removed and reset. When they came down, the manager pulled the two younger guys off to the side. They talked and then he comes to my roofer and states that there were 14 broken tiles per square and that he would replace them at 1.5 to 1, but they would pay to replace the garage roof which is asphalt shingles.

I went to complain at my agent once again about how the adjuster's are not going to the main roof and ignoring their own people's recommendation. He calls and now I have been talking to the catastrophe center in Mobile, Alabama. They are standing firm on the idea that a Spanish tile roof can be piecemealed in and that all the tiles do not need to be pinged to check for cracks. I am now trying to decide if they can be trusted to stand behind my agent's statement that they will pay for all repairs once the roofer go up there or start the arbitration process of each party getting a professional appraisal and then going to a referee.

I got an estimate from one of the roofing companies and they would not even consider doing it the Allstate's way. They said that it was unprofessional to not check all the tiles and they need to remove the tiles to do that.

I don't consider the removal and resetting of the roof a replacement; they will only be replacing the broken and cracked tiles while reusing the good ones that are already there. I really feel like I am being boxed in a corner here without my hope of getting made whole to say the least.

Hopefully, Allstate reads this site and realizes that when my policy comes up for renewal both my homeowners and multi-car policy are gone.

How can you have adjusters coming up with repair estimates when they don't even go up on the roof? Plus the adjuster's attitude are total crap. I am a homeowner trying to get my roof fixed right not rip them off. I think it is time to file a complaint with the state insurance commission as well.

We got our homeowner's insurance through Allstate in December 2007. Allstate set the coverage amounts on everything and we were comfortable with it. We had $120,000 on the structure, $72,000 on contents. We paid our premium every month, on time, for almost 4 years. On August 2, 2011, I had a fire. The firemen said the house was a "total loss". The structure adjuster came out and looked at the house, took pictures and then told me that occasionally, the insurance would repair the house but in his opinion, it could not be repaired. He told me he didn't have the final say, but he was going to recommend that it be demolished.

Around the 8th of September, I contacted the Allstate adjuster to find out what was going on with my claim. I was informed that they felt the house was repairable and they would be issuing a check in the amount of $97,000 and he would call me back that Friday to tell me when they would issue a check. I didn't hear from him so the following Thursday, the 15th, I called him again and I was told that they would issue a check for $95,100 and some change. I asked him what happened to the $97,000 and he said "we never had that conversation"! He then told me they were going to issue a check in the amount of $45,000 that would be payable to my late husband, myself, the realtor that held my mortgage and the bank where the mortgage was.

I asked him why would they do that and if they paid it to the bank, how was I going to be able to "repair" my home? He told me I didn't have to repair my house, it was my choice, but that they would only pay the $95,100. The adjuster said that he didn't feel the bank would "take" the money, that they had no reason to! I told them that was not acceptable and I ended the conversation. Two days later, I received the $45,000 check in the mail. I held on to the check for nearly a month but finally, I had to take it to the realtor who continually called me asking why I haven't brought it in yet. So the bank took the money and it paid off the mortgage.

A week later, I called the adjuster and asked him how do I get the remaining $50,100? He told me that once I find a house to buy, get a signed contract and fax it to him. Once he received it, he'd issue the remaining funds to the realtor. On Saturday, September 24th, I signed a contract to purchase the house for $49,000 and that day, the realtor faxed it to Allstate. On Monday the 26th, I got an inspection on the house and we were set to close on 09/30/2011. On Tuesday the 27th, I called Allstate to make sure they had received the contract and to ask when they would be sending the remaining $50,000? I was then informed that since they already paid $45,000 and the house I am purchasing is $49,000, they would be issuing another check in the amount of $4000! So as of today's date, I'm out of a house, any money and all my belongings.

I cancelled my policy with Allstate after discovering that my agent just up and quit. Then, after looking around for a different company, I found that I was being gouged. He had on my driving record the accident my son had. Also, when I tried to get this straightened out, people at Allstate (customer service) talked to me like I was some kind of idiot. Then, I start getting notices from a collection agency for an amount that I have no idea where they got.

Again, whenever I call the customer service, I get the same treatment. Every time I see their stupid commercial, I want to pull that liar salesperson they have pitching their company through the TV. And now, I am still getting notices from the collection agency, even though I requested a written proof of what I was being asked to pay, as it is my right written by the Federal Trade Commission.

By the way, I did send the proper notification for termination with Allstate because my new company walked me through the steps needed to cancel policy properly. I still have as a mark on my record the accident that my son had.

For the 5th time now, I get some non-English speaking Indian who fails to do what I've asked them to do repeatedly which, in this case, was to cancel my E-BIll nonsense. I'll be dropping Allsate immediately.

I've been with Allstate for many years. I own several real property investments that are insured through Allstate and when it's time to take care of customers, Allstate is very lax about doing their part.

I went to my Allstate office yesterday, 9/30/2011, to cancel a policy on one of my three cars that I sold. Much to my surprise, I was told that I had to show proof that I sold the car and turned in the plates. The young lady that was taking care of me was very nice about it. But then, another man that was in a desk across the room said, "It's not our rule. It's Allstate's." He treated me like I was a piece of garbage. Then, I asked about the TV ad about getting a check back and he again said that I don't qualify. After 25 years of being with your company and never a claim, I feel that I should be treated like a customer and not a piece of garbage. The owner of the agency came out and tried to be nice but I still think that his buddy was way out of line.

Last Winter, my garage wall started to fall. So, I called Allstate to file a claim. They sent a guy from Texas to look at it. He looked like he was lost by the end of his inspection and he told me it wouldn't be covered due to ground erosion. I have been here three years, Allstate had no problem giving me coverage when I bought the house. I have never filed a homeowner's claim until now! Then, as I kept following up on the file, they gave me little to no help. They told me it was not covered now because the garage which is attached to my house wasn't built correctly. If they told me this before I bought the house when they did the inspection, I wouldn't have purchased this house! Now, I have a newborn baby and I have no way to fix this. Allstate has been horrible.

On top of it, they dropped my coverage. I had a contractor look at it and he gave me an estimate of $10,000 and also told me it was due to weight from the snow! I don't know what I'm suppose to do. I work every day and now winter is on the way. It's not going to take much snow to collapse the roof which is attached to my house! Allstate slogan "you're in good hands with Allstate"! Well then, why did I not only get treated like trash, I got dropped. If I knew this, I wouldn't have used Allstate. If anyone out there has any ideas please let me know! I have seen so much insurance fraud and people get away with it every day. I'm just an honest, first time homeowner trying to take care of my family!

For no apparent reason, one entire side of my house foundation collapsed. I contacted Allstate. Their emergency response said to do whatever is necessary to secure the frame. The contractors dug out wall, erected temporary support wall and put up plywood to protect from elements. This event happened at 6PM on a Friday. I have the deluxe replacement homeowners policy.

On April 16, 2011, a tornado hit Raleigh and our home was struck. We lost shingles and many were left loose with broken seals. We called Allstate on April 17 and reported the damaged. We were told an adjuster would come out to look at our roof.

The adjuster came out and looked at our roof and stated that we had lost shingles and had some loose ones, but it was not enough damage to replace our roof. We hired a contractor to come looked at our roof and were told that our roof had many shingles that were loose and that they could not be repaired. He said the roof needed to be replaced.

We called Allstate to come back out. A different adjuster came out and looked at it and we have not heard if they are going to replace our roof.

We contacted a contractor/restoration company to have them assess the damage, and assist with the major cleanup. The company informed us that this was the worst incident he has seen in almost seven years. My whole finished basement had to be gutted down to the foundation walls, and floors due to the fact that this was sewage water and there was a severe risk of disease. We lost everything; our furnace, washer and dryer and all appliances that were in the basement of our home, including everything in our family room and home office.

We had BGE Home come out to assess the damage to our appliances, and they informed us that all appliances had to be replaced due to the flood and flooded gas lines. After several days of hard work and several missed days of work, my wife and I created an Excel spreadsheet detailing our losses and values. Our claims adjuster, Jan informed us after reviewing our inventory spreadsheet, that they were sending out two separate checks, one to cover the mitigation and rebuild of the structure and one to cover loss of personal property.

Two days later, Jan notified us that the claim was being closed and re-opened due to a discrepancy of $3,000 with the quote we received from BGE Home and what Allstate considered was fair for our furnace. What? So, all of the hard work and hours put into doing their job has gone to waste due to the fact they cannot agree on a quote from BGE to replace our furnace? So now Allstate is sending a claims adjuster out to the house to assess the damages. Mind you, this has already been done; everything has been gutted and is now in a 25 feet dumpster in my driveway!

My wife and I have been paying homeowner's insurance and auto insurance through Allstate for 10 years now. We have never filed a claim through them until now. You mean to tell me that, after all these years of paying our premiums, you are going to drag us through the mud on our first claim filed through the insurance company, over a quote to replace our furnace? This is totally unacceptable and has caused so much unwarranted additional stress and aggravation to an already horrible situation.

Allstate claims to be a great insurance company when they are collecting your checks, but the minute that you need to actually file a claim, they do not rise to the occasion. My wife and I are extremely disappointed and aggravated over this, and we will be sure to switch insurance companies as soon as this nightmare of an ordeal is over. I will never recommend Allstate to anyone; you can be sure of that!

My insurance premium was more than $1700 for a house that is approx. 1200 sq. ft. with a replacement cost value of $155K. One level of the house is partially brick. I called with concern and they decreased it between $200-$300 when I switched to a $1000 deductible (previously $500) and also sent in proof of many improvements, such as new roof, new heating, new AC and new upgraded electrical box. Within 3 months, I received a notice for my renewal and it was now going to cost me $1990/yr. Then yesterday, I received a new notice that my renewal will be about $2340/yr. Wow! I have only had one claim with them in the past 5 years in 2007. My dad's house is 3 times bigger than my house and more than $100K in replacement cost value. He lives about 40 minutes from me and his premium is far less than mine.

I have a tree that grew up against my house in the backyard and it reaches the roof of our two-story home. During a windstorm, the tree smacked into our house and smashed flat our fairly new gutters. Then, the tree hit hard enough to put a hole in our roof. I called Allstate and told them that I was getting estimates from tree service and roofing companies and that I wanted to file a claim on our home owner's policy.

Today, they called me and said that we have no real claim and that they are not going to pay anything on the damage. Why don't you stop your stupid commercial, "You're in good hands with Allstate," because you have obviously a very slippery hands--you dropped us. Now, we are shopping for a new company who offers home owner's insurance and who won't drop the ball or the customer. Thanks for nothing.

We insured auto, home and property with Allstate. We told the agent in the Allstate office we needed business coverage as we operate two businesses out of our shop. He told us we were good to go, we paid the premiums for years faithfully.

In March of 2009, we had a fire in our large shop. I called our Allstate agent and left messages. He never called back. After three days, an adjuster showed up and denied coverage stating that we were covered under a residential policy, not business.

This was a shock to us as our agent assured us that we were covered for business. Then Allstate dragged their feet for the better part of a year to cover our personal property that was lost. We hired a lawyer to help us and suddenly they wanted to speed up the claims process. We were able to settle on personal property but were still denied coverage for the main loss, damage to the structure. Three attorneys told us that we would win a suit against Allstate, but it would cost us more than it would bring in.

To top this all off, Allstate cancelled our policy! They then had the nerve to call us this year asking if there was any way to win our business back. Kind of akin to being asked for a kiss after being raped!

1. He is always refusing to make the requested changes to my policy. He states that changes would mean that he has to write a new policy and he cannot do so since Allstate is not accepting any new policies in the state of Connecticut.

2. In writing, he attempted to make me seek a new insurance carrier, which is a violation of the insurance rules and regulations (I advised him of the violation).

3. He refuses to send me a printout of the rebuild cost of my home he states that he has obtained ($167,500 rebuild cost figure is on my 2006 inflated appraisal). I found a rebuild cost calculator online and input all the details about my home (1920 952 sq. ft. bungalow) and sent him the results with an amount to rebuild cost at $104,000 plus change).

4. I started questioning the square footage coverage. Somewhere in the Allstate inspection of my home, Paul ** stated to me that additional sq. ft. was found (1,000 additional sq. ft.). I have been overcharged due to this deception since 2006 and may still be overcharged had I not alerted him on the information that I saw from Meriden GIS Web Site. Although he states that he has made appropriate corrections in my policy, he will not send me the evidence. I can't even obtain a copy of the inspection report of 2006.

5. Each year at renewal time, the same scenario (No. 3 above) is experienced. I always get a higher than reality renewal amount (last time, it was $818.00 decreased by $200+) and once I call him and email him, I finally get a new lower amount of payment. He refuses to send me the updated documentation, though. He always relies on the repeated statement of rebuild costs but never provides me evidence on how he calculates the rebuild cost (never changes year after year). This is a year after year after year experience with this company/agent.

6. Recently, I requested that he removed Wells Fargo as a payee on my policy. I also asked him to add my name, Kim ** as an alternative. He refused to do so even though I already advised him that Wells Fargo has no financial interest in my home. My note (separated from mortgage) was included in Citigroup Mortgage Loan Trust Asset. The Pooling and Servicing Agreement indicates Wells Fargo to act as servicer; hence, no financial interest.

The true holder of my note are the investors who purchased the 79 certificates of the Trust. He states that the bank will not allow such change even though I have an evidence that Wells Fargo is not a holder of the note or the mortgage.

Hail damaged my home on June 7, 2011. The roof was damaged, and there was water damage on the ceiling in the bathroom. I filed a complaint and had scheduled an appointment. The adjuster came and spent less than 45 minutes. After looking at the roof, the claim was denied. He arrived before the time scheduled, and never spoke to us. We were told by our contractor that he would call us, but he (Jacob **) never did. Two weeks later, he sent a letter thanking us for meeting with him.

Allstate has poor customer service. Everyone on the street has hail damage; they will be getting new roofs, but not us-- we are with the wrong insurance company. Allstate, a good neighbor? What a joke; this isn't the first time we've had poor service when dealing with Allstate, but we plan on it being the last. There is obviously better companies out there.

I had backup in main drain line. The septic tank was pumped and the blockage in line was repaired. When the adjuster arrived on site, we were flat out denied any coverage. No written report of the damage was provided to us. Not even a minimum mitigation service was offered at a reduced rate for clean up or anything like it. So here we are, mess on floor, paying dearly for years on homeowners insurance to get an "I don't give a **' attitude.

Notice of non-renewal: the insured property is ineligible for this homeowner's policy because it is vacant. I am still here after 23 years. Now, they want to say the home next door is vacant and a high risk, and maybe not having car insurance with them. They are saying my home is vacant, but if you can see or send someone out, you will see that I do live here. I do not have anything to do with the home next door that is vacant. I cannot tear it down. The city has to do that, and also, it is a procedure and law.

Allstate looks like they can cancel you for anything like vacant lots, too many claims file in the area, chimney flashing, and etc. I never filed a claim with Allstate. All they want is to get their money.

On July 14th 2011, the Allstate agent, Phillip ** was notified by fax of a homeowners signed cancellation request in which the policy number and details were identified. In a letter postmarked August 11th, Phillip sent me a renewal offer on the anniversary of the policy, thus confirming their intent to ignore the above-named fax, and thereby avoid its obligations under the N.Y. Insurance Code.

On August 16th, I consulted the New York insurance commissioners office who informed me that the company had 30 days to write a check pro rating the premium, which they failed to do. I called the above-named agency about the matter and they pretended that they did not know of the cancellation notice to them but would get back to me, and which, they never did. During that call, I informed them their non-response would elicit a complaint to the Commissioner. My new agent, Matthew ** of Nationwide, again faxed the above information to Phillip's office, along with proof that the original fax had been received by their office.

In frustration, on August 21st, I called Allstate headquarters about the matter and they reported a check had been issued on August 22nd. In other words, when they discovered that they had been caught with their hand in the cookie jar, they did not want to invite a complaint to the Commissioner. It is quite obvious that the agency had every intension to violate the code, pretend innocence, and thereby avoid its legal responsibility.

I urge an investigation of this matter to determine how widespread it is, and if the parent company is aware of this practice, especially since the average citizen will not have the knowledge to complain.

I accepted a homeowner's insurance from Allstate several years ago. Back in April 2009, I had to submit a claim for roof damage due to a hail storm, which has been proven and documented.

A year later, my home was vandalized and completely destroyed and rendered unable to be lived in. I have several police reports. Detectives were assigned to the case. Allstate paid $2,400 approximately. This was not enough to make the home livable. I had to move back closer to my mom. My home is now in foreclosure and due to be sold on September 6, 2011.

It is not just Allstate that has completely wronged me. The town of Douglasville, GA is despicable. The police department was useless. The real estate agency was useless. The judge in landlord tenant court was unprofessional and useless.

My home was robbed. I lost more than half of my belongings including a riding mower, tools, TVs, musical instruments, etc. The one positive thing in all of this is that I had insurance. WelI, I thought it was positive until I started dealing with Allstate Insurance Company. Tim ** and Sheron ** have set a new standard in the art of the "run around". Either that or they have more vacation time and go-between than a US Senator.

I left messages on Tim ** voicemail for three weeks. He never called me back. Not only that, I got the idea he was screening my calls. So I called him and got no answer as usual. I hung-up and ask my wife to call back immediately with her phone with a different number. What do you know? He answered on the second ring. Surprised, she hung-upI I called back immediately from my phone again, after all he had just answered her phone seconds ago. I got no answer from him and left a message on his voicemail again. It has been four weeks and I have yet to hear from Tim **. I have emailed and called more times than anyone should have to when dealing with a reputable company. Allstate should be listed as a direct antonym for reputable.

Sheron ** was contacted by me to see if she could help with contacting Tim **. I called her on July 25, 2011. Since then she has been "working outside the office" along with a week of vacation that started on the day she was going to call me and let me know what stage my claim was in. I have been trying to get a simple update on my claim that pasted the 90-day period three weeks ago. I have been trying to get that simple update since July 6, 2011. Today is August 9, 2011. Over a month to just get a simple update on a claim that was supposed to be paid in the middle of July 2011. Over a month and I have yet to talk to Tim ** or Sheron **. Neither one of them has returned my calls or emails.

The site I wrote this statement on ask for an Overall rating on my experience with Allstate. I would say to anyone that ask me in the future, and even if they don't ask, never use Allstate insurance for any service what so ever! I have two homes insured with State Farm. A year ago lightning hit my home in Savannah and blew out everything that was plugged into the wall. Within two weeks of the claim, State Farm paid me in full and was extremely polite.

Our area in NW Indiana was hit by a catastrophic hailstorm on 5/10/11. Allstate classified it as a catastrophe. The adjuster, Dan Boyer, came out a few days later and determined that we did not need a new roof, but agreed to replace the gutters and siding on one side of the house. My husband and I disagreed with the decision in that the roof was damaged by hail and needed to be replaced, along with new siding on another side of the house. Several roofing contractors came to inspect and confirmed our determination.

We contacted our agent, Bill Pontif, and he attempted to have our home reinspected, but was told by the Agent Claim Advocate that we would have to hire an independent appraisor at our own expense and go to arbitration. Our agent told us to call and file a complaint with Allstate Customer Care in hopes that further action could be taken.

She told me that Allstate would not send another inspector. I was told to hire an independent appraisor, and Allstate would send their own "independent" appraisor, and then we would go to arbitration.

Please note: EVERY HOME on our road had their roof replaced, even the homes that had shelter from trees. Our neighbors do not have Allstate Homeowners Insurance (obviously).

damage was done to my home with streight line wind and hail water came into my room ruined ceiling as well as carpet. I have had at least 4 differient adjusters come out and all have denied any relief i have have had allstate since1984 and now i find out I AM NOT IN GOOD HANDS i am in the hands of thieves

My homeowners insurance just increased 39% due to the natural disasters in Kansas. I was told by the Allstate gal, Tonya, that this increase was across the board to everyone in Kansas that was covered by Allstate.

I thought that was strange, and I asked her again did she mean it was increased to ALL Kansans? She said she didn't know that for sure, but for sure it was passed on to all the Allstate consumers. I have searched all over the Internet trying to find this insurance hike, and have also sent an email to the commissioner, but I was wondering if anyone else in Kansas is dealing with this increase?

I am not opposed to spreading out the cost to help everyone who is in need due to these disasters, but 39% is overkill. My insurance rate has increased over $400 a year, that is absurd! In this economy, once again, we, consumers, will carry the load. They get us every time! If anyone has any info on this, please pass on to me. I will greatly appreciate it.

hi my name is ivan **. I called allstate in november of 2010 for damage on my roof. It took them 6 months to have an adjuster come out and evaluate the roof at my home. I asked if if they were gonna replace the roof and the adjuster said yes. He said he would call me in a couple days. I didnt here from him but i received a summary of what they were gonna cover and how much they were gonna give me. I didnt understand the summary so i called the adjuster and asked him about the summary and when i call contractors what should i have them fix. The adjuster told me to tell them the roof needs replaced and repair the gutters and send me the estimate.

I did that and a week later i received 3 checks totalling 9680.00 dollars. So i put the checks in the bank and waited for them to clear and 4 days later i took the money out of my bank and handed it to the contractor. He replaced the roof and repaired the gutters that weekend and i was very happy. I get a phone call from my back a week later and the supervisor at the bank said that allstate is not paying for 4800.00 worth of the check. I said why they cant do that. She said to contact ur insurer and let me know. So i called allstate and they keep giving me the rum around..they wont issue me a new check even after i showed them that my checking account is negativ 4800 and still growng from all the late fees.. They dont return my phone calls and now they r refusing to resolve this matter. I need help. Can any one help me. I dont feel like i did anything wrong. How does a insurance company send u checks and the bank tells me they cleared and after i get the work done they cancell them and will not reimburse me the money. They give me the run around and wont give me a straight answer.please help me. Phone number is **. Thanks

on april 20,2011 had flood in our mobile home in the middle of the night. called insurance company at 8.00 am reported the flood to insurance company. it took them 3 hours to come over after 3 calls had to tell them if they didn't hurry the water was going to cause a lot of damage. because the water went into air condition rents on the floor. so they got here at 11:00am, Allstate sent a company called avalon server name is kirk ** he took a device that detect where water was it was from back door washroom,kitchen,dinner room,part of living room, hallway,both bedroom and both bathroom. we have a 1344sq foot home so everywhere.

kirk from avalon said before he touch anything he need to talk to insurance company because this is a lot of damage and its going to cost thousands. and he need to know how much we are covered for. I called my insurance company on phone, then put kirk on phone he told them the news and got the ok to do his work, he pulled up all the carpet and tile on floor. then brought in 5 fans and 3 big machines to dry up water that was very hot. they never sent no one to come over to look at air condition and under house. we have gnats i believe coming from vents on floor from all the water. i have sent 2 certified letter to them about this matter nothing yet. then they called me today 6/9/11 saying they will send a check for 8,699.00 but will be payable to loan company which our home been paid off . so i guess that's the hold up.

Tornadoes that came through on April 27th did a lot of damage to my home. Took everything in my yard. Couldn't get through until Friday, when finally got in touch with Allstate, just said they would have someone contact me. Finally got a hold of guy and keep giving me days he would try and come out. Finally get him out and looks at damages, said he would have it ready and go over that night. Have called back numerous times and get the run around on what he has to do.

It now has been 12 days and still has not done our estimate. We live in a neighborhood and everyone has had the checks cut already and work started and some completed. I hope this helps others who are having same problems with theirs.

Several tornadoes came thru Alabama on April 27th 2011 which caused damage to my home. It was a new home. We just moved in on March 17th 2011. An adjuster never came to my home, but James called me over the phone and asked for the damages. He stated if there's other damages noticed during repair, they can be addressed at that time over the phone also. However, I received a check for some of the damages which didn't include money to replace my entire room and other damages.

I told James two different contractors stated the entire room needs to be done but he refused. We had winds of 180 miles per hour therefore just fixing the spots where the shingles were removed wouldn't fix the entire problem. Then I received a cancellation letter in the mail effective as of May 27th. If they don't send an adjuster to my home to check the damages, I will not have time to obtain other home owner coverage and could cause a default in my home loan. I've tried to explain to James that I need this done asap but he told me in 2-3 days a field adjuster will contact me. It's has been longer than the allotted time and I am running out of time.

The apartment above me had a leak in their bathroom and it came down the wall and caused molds on the back of all my pictures so bad that it ate through the pictures. The apartment company repaired the walls immediately but AllState has refused to reimburse my damages. Mold is not covered, they would tell me.

On March 6, 2010, we had some bad weather hit my house. I called Allstate to see if I can get my house fixed. Eric told me that they were only going to fix the top part of my roof. I didn't like what he said so I didn't cash the check he gave me, it was a $2,000 check. They are saying the damage on my roof was my fault because I didn't go up there and hammer the nails back in the roof itself. So it has been a year from the first damage on the roof. Now, on April 27, 2011, I called Allstate again and they are still saying the same thing again. I need to know if I can get help. I got water on my walls, I got mold, I got two roof cracks with water coming down from them. I got a lot of damage everywhere on my house. I got a home motor that got damaged too but I can't get Allstate to do anything, but put the blame on me. Also, I got 3 areas that have no light on because we can't find out the problem. The guy came out, saying on Friday, if this got on fire, Allstate wouldn't take care of this because we didn't fix it. So please, I need help so I can fix my house. I need help badly!

After talking me into taking home and car insurance, they cancelled my home insurance because they said I was in a flood (hurricane region) of New York State. They inconvenienced me and I finally dropped all of their policies and found a better insurance company.

I had a flood in my condo caused by a broken air conditioner in the unit above me. I called Allstate and they sent a company out to take down the ceiling and dry out the ceilings, walls and carpet. I have a custom-made couch that was three weeks old and a custom-made coffee table that is eight months old. They wanted to steam clean the couch. I said that it was three weeks old and I want it replaced (I have replacement value on my policy) and the fabric stretched from being wet. They also can't determine what damage happened to the frame unless they take the couch apart.

They said that the policy is if it cannot be repaired, they will replace it. Now, they tell me that if they replace it, they will have to pick up the couch. I told them they can pick it up after it is replaced (it took four months for me to get) and they can't leave me without a couch for four months. They said that they will only give me a portion of the replacement value until they pick it up. They are also sending over a wood restoration man to look at the coffee table.

In March 2011, we called the claims department to see if the damage that we found after removing a commode was covered. We were informed that they were not responsible for the repairs. We then suggested that we would speak to our attorney to better understand the "insurance" dialogue. Well, a month later, we get a letter stating that our policy would not be reinstated at the end of the contract. Why did they cancel our policy? We called our agent of 22 years and he swore that it was not personal but that Allstate was dropping a lot of their customers in NC because of the 2011 storm predictions. I believe that they cancelled us because of our threat to contact an attorney. Beware, Allstate does not work to secure the future of your life but rather to retaliate.

On 8/27/07, I purchased insurance at a closing with Allstate Insurance Company. On /5/25/08 I had a fire and Allstate denied my claim. After violating all codes of ethics, I was seated in front of a team of lawyers without a chance to obtain any legal representation for myself, I was homeless and helpless and Allstate made away with my premiums paid for protection. Now that I have a job, I need to find out what my legal recourse is to get my home and furnishings back.

For the past 26 years, I have been a customer of Allstate Insurance. In 2010, they sent my renewal notice of $2300 per year. I called their home office in NorthBrook, Illinois. The lady readjusted my home location, fire department rating and location to local volunteer fire department. The rates dropped to regular $1100.00 per year. Now this 2011, they are trying to make my rates sky rocket to $2300 per year again. When the lady readjusted everything last year, she told me that I wouldn't have to worry about this happening again. Now I've got the same problem, what can I do?

My basement flooded due to a sump pump malfunction. My furnace quit working due to the water damage. I was advised to replace it rather than repair it by the furnace people, which I did. When I called to see about filing a claim, I was told that it wasn't covered because I didn't have sump pump coverage.

I bought this house about 7 years ago. Allstate sent their people out here at that time to explain what needed to be done so they could insure me I.E. fix a step, install a hand rail, etc. They must have seen that I had a sump pump. Yet, when my policy was written up, not once was the sump pump insurance ever mentioned. I never knew that it even existed, let alone be advised so that I might consider it. Either my agent is totally inept, or worse, Allstate purposely neglects to inform their clients of the insurance that they need to protect their home, in the hopes that the good hands people won't have to honor their promise and commitment to their customers.

My roof needs to be replaced due to a hurricane. I have wind and hail damage. Allstate refuses to take care of this problem. The damage is visible from the street. My house is three stories. They refuse to help at all. All of my neighbors had to replace their roofs, none of them had Allstate. I was the only dummy. I thought I was in good hands. 6 years and this was my only claim.

Back in March 2010, after continuous snow, and freezing rain, the front wall of my house's foundation collapsed. Due to that, the significant damage was done to the house. We had to replace the foundation wall itself, the wall frame including siding, insulation and finishing. The same time I called the insurance company and opened a claim. We didn't have too much time because the damage was serious, the whole side of the house could collapse. We contacted the construction company to get the estimate to fix the damage. The estimate was around $20K. The insurance company adjuster wasn't in a big rush to come for his adjustment, we had to call him several times because we could not wait anymore, due to the severity of the damage. Finally the adjuster came but it was in the evening, it was already dark. Anyway, he inspected the damage and made some pictures. After that I received a phone call from him and he said that my claim will be denied. I asked for an official denial letter. I received a letter but it wasn't a denial letter, it was a letter from the adjuster himself.

The letter said that the claim was denied because my insurance only "Covers the damage caused by weather storm. But since your damage was caused by the combination of snow, rain and ice, it is not covered", which didn't make any sense to me. I had to pay from my own pocket to the construction company to fix the damage. I kept contacting the insurance company to get the official denial with all explanation, including my rights as a customer, and the appeal procedure. I didn't get anything since. Instead of that, I received a call in September of 2010 from them, saying that my claim is still opened, they will send a different adjuster to do another inspection. The new adjuster called me on the Labor Day night, he sounded drunk, he wasn't very clear on the phone and I totally couldn't understand the reason of his call. This adjuster never showed up.

A few days later I received another phone call from another adjuster. He scheduled an appointment and finally came. He made pictures and did some inspection but everything was already fixed by the time he came. From that moment, I haven't heard anything from the insurance company. Their logo "you're in the good hands" is meaningless to me because of the way they treat their customers. I have the claim number, the pictures of the original damage and also I have all the name of people who contacted me.

I have been a chimney professional for 25 years and the only insurance company to refuse chimney fire claims is Allstate. They send an "engineer" who tells all homeowners their terracotta flue liners were never safe to begin with (although they are required by state and local building codes).

I'm an ex-felon with a bad, criminal record. The result of this was that I got to spend a fairly good size portion of my life in prison (more than 25 years). When I was about 40 years of age, I finally "got it", and I figured out that if a person is "good", then good things will happen. The same equation applies to "bad" behavior in life (this is just my opinion). In light of my newly acquired reasoning, I stopped messing up my life. That was a decade ago. Now I'm 53, and I have become a fairly successful member of society-- with a house, stable employment and a new chance at life.

On October 21, 2010, my triplex burned down. I have the Allstate premium homeowner's insurance policy which should according to my policy cover me in case of an accidental fire. The problem has been that because of my past, Allstate refuses to believe that the fire was accidental. They also sent my confidential discovery on the fire to my work; because of the public nature of my job, my boss told me that I needed to take a leave of absence, pending the resolution of my fire claim. It is almost three months later, and the "investigation" continues. They've had me followed; gone over my financial records, done depositions and questioned my friends and neighbors.

I've lost my home, all my belongings, my job and my savings. I live in a scantily furnished apartment with my 20-month old baby, (I am a single dad). Now I don't think Allstate is going to settle because they refuse to believe I didn't burn down my own home.

I bought new doublewide in 2000 and bought full replacement coverage with Allstate through escrow; the policy cost was included in the house payments. In 10/2010, I got a policy with auto owners insurance for autos and the home at much lower price. I contacted Cenlar Mortgage Co and they mailed a letter stating the Allstate policy coverage was only about $43,000.00 replacement cost for home. I called Allstate for about 2 weeks, got the runaround and kept getting referred back to the local agent who was no longer listed.

I called another in a nearby town and he said the coverage was dropped in 2001. There was no drop in premium cost. This was done without my knowledge or my consent, and now I feel I have been lied to and had my money stolen. Sirs, I believe that most people lie to cheat and to steal. What can I do to get recovery of money and warn others about this? If a misfortune had destroyed our house, we would have had a large debt and still been on the street and I paid for the coverage.

I bought new doublewide in 2000 and bought full replacement coverage with Allstate through escrow- the policy cost was included in the house payments. I got a policy with auto-owners insurance for autos and home at much lower price. I contacted Cenlar-Mortage Company. They mailed a letter stating the Allstate policy coverage was only about $43,000.00 replacement cost for home. I called Allstate for about 2 weeks. I got the runaround and kept getting referred back to the local agent who was no longer listed.

I called another in a nearby town and he said the coverage was dropped in 2001. There was no drop in premium cost. This was done without my knowledge or my consent. Now I feel I have been lied to and had my money stolen. Sirs, I believe that most people lie to cheat and to steal. What can I do to get recovery of money and warn others about this? If a misfortune had destroyed our house, we would have had a large debt and would have been on the street. And I paid for the coverage.

I've had homeowners insurance with AllState for a little over 10 years. I recently received my policy renewal which showed an increase of $400 in my yearly premium. I called to ask why and the agent's response was simply that there was a general increase in insurance rates for the state and there was really nothing I could do about it in terms of changing it. I believe in capitalism and realize how it has transformed our great nation. But this is really amazing to me especially when we're in such a fragile economic state. The consumer really needs more protections in place. Insurance companies should provide justifications for such huge price hikes.

On Sept.22, 2010, our rental house caught on fire with no one in it. We filed a claim with Allstate, Ins. Co. and after an investigation they determined that it had been vandalized. They also informed us that they would not cover the damage due to the fact that the house had been vacant for over 90 days and it had been 95 days.

No one told us about this before we bought the insurance because we live in Kentucky and we live about two hours away from the agent. He didn't come in person so we just spoke over the phone. He wrote the policy and sent us the forms to sign so we signed them. Thinking that we were in good hands like what their motto says! We found out that we were not in good hands after all.

We purchased insurance on our house; we own our own home and do not have a mortgage. 6 months later we received a better rate through State Farm and decided to switch. Allstate then sends letters for 4 months to try to get us back, when that did not work; they decided to send me a letter from www.warningnotice.com - A collection agency, trying to charge me for no longer using their service.

I called and explained them both Allstate and the Collection agency the issue and they claim it is state law that I carry insurance. (My insurance with State Farm had began before cancelling with Allstate) I explained to them we are not required by state law to carry insurance on our home when we own our home and have no mortgage. They still insist we have to fax them a copy of our new insurance in order for this bill to go away. I think this should be considered as fraud. Not a good way to do business. I would not recommend them to anyone.

We have paid in good faith for comprehensive coverage ( e.g., home, automobiles ) for approximately 35 years with Allstate. Now, after filing just 2 claims in the past 5 years for home flood damage due to plumbing problems, our homeowners policy has been cancelled. Isn't Allstate required to comply with the "good faith" provision of the law as well?

I was hit with a wind/hail storm on July 26th, 2009. I had dozens of contractors come to the house with quotes for repair, yet Allstate is only providing funds for half of the repairs. Their adjustment is $38,000 less than the average of the contractor estimates I obtained to repair the damages incurred.

The NJ Department of Banking and Insurance is an ineffective department of over a dozen people that accomplished nothing with my case in the 4 plus months they reviewed comments. This would be a good department to have privatized. The privatized department would be accountable and effective, and would save NJ taxpayers over $500,000 a year in salaries and pensions. Below are letters that I sent to George **, Investigator, NJ Department of Banking and Insurance, Consumer Protection Services. Similar letters went to Jennifer ** from Allstate, the Attorney General and Governor Chris Christie. You can get an idea of what is going on. Allstate has instructed me to file an appeal with Jeff **, Market Claim Manager at the New Jersey Homeowner Center Market Claim Office at the address given above.

August 19, 2010

"I am informing you and the Attorney General on the current events with Allstate. The contractor that came out on Thursday 8/5/2010, Frank **, finished his estimate this past Friday the 13th. I missed a phone call from Jen ** on the 12th and I assumed it was about the contractor's estimate. I hadn't yet received an estimate for the work from Frank, so I called and spoke to Gail (his wife) about not receiving a fax at the number I had given her. She put Frank on the phone, and he said he finished the estimate and had sent it to Jen. I asked him to send a copy to me and discuss the work and was told that he could not do that.

I asked about doing the work and he said he could not talk or discuss anything because Allstate had paid him to come out, and he could only talk with them because of that. I then called Jen ** back and left a message to call me about the available General Contractor estimate. Jen called me on Friday with the estimate information. She said she would fax or email me the estimate for review over the weekend. She said that Frank's estimate was lower than the 3rd adjustment Allstate sent out when they wrote the checks.

She told me that Frank's estimate was for repair of the slate roof and not replacement. The first two Allstate adjusters that were out to the house, Kevin ** (Allstate's first adjuster from Tennessee 1-847-224-8742) and Bob **, told me that when there are over 27 slates missing or damaged on a slate roof, that the policy was to replace the roof entirely. If I chose to repair the roof, it would only be done once, and that as unnoticed damaged tiles continued to fall off, Allstate would not come back out to fix them or leaks. Replacement was their recommendation and that the roof was pretty much a total loss.

When Frank and Jen were out to the house on the 5th, we discussed that the roof was to be replaced as the first two Allstate adjusters had recommended. Jen was verbally combative on this issue. She stated that Frank was saying he could repair the roof and that we shouldn't change direction to what he was suggesting. I told her that changing direction would be to repair the roof when the other adjusters had written the roof off as a total loss/replacement. Any reputable slate roofer can repair a severely damaged roof, but what good is it if it continues to lose tiles down the road. The estimates for the roof up to this point have been for replacement. Frank was insistent on writing an estimate for repairing the roof, but would also write an estimate for the replacement as the other contractors had. I have yet to see the competitive estimate for replacing the roof, which brings me back to Jennifer **'s comment that I was just going to replace the roof with asphalt. I guess Jennifer ** would like us to compare Apples to Oranges.

I almost think she takes me for ignorant. I went through the rest of Frank's competitive estimate from an available contractor Allstate uses, and found that Frank basically rewrote what repairs were to be done to the house according to what he thought and not by what the first two adjusters Kevin ** and Bob ** wrote. The Allstate adjusters (not General Contractors) who saw most of the damage first hand and wrote what needed to be repaired and replaced. I say most of the damage because Kevin originally didn't write up the hail damage that the siding had sustained.

Bob ** then came out and wrote up the siding on the left side of the house that was hit with the tree and debris, the front side with the tree and hail, but did not include the right side which was damaged from the hail and the porch coming down. Three sides were damaged not two. Bob probably did this to avoid having to replace all the sidings on the house per Allstate's policy if three of the sides are damaged, you replace all the sidings. This was according to Frank on the 5th, when he and Jen confirmed the damage was on three sides.

Dissecting Frank's estimate further shows he has only 650 SF of aluminum siding when there should be closer to 900 SF. He has allocated painting of 848 SF, which is acknowledgment of the 900 SF that needs to be replaced. I have 8 individual aluminum corner wraps and not the cheap metal outside corner posts he has included in his estimate. This alone is a huge difference in material and labor. Frank's estimate has him removing and re-installing a tree dented aluminum gutter / downspout. The double pane gas window that was broken is just having the glass replaced and re-glazed. This window was written as a replacement not repair. Bob just didn't allocate enough money to the contractors for the window itself or the labor to install it in his estimate. The slate roof estimate doesn't allocate any copper flashing for damage on the ridge. The side porch had two exterior screen doors, and not one. The list goes on and on. Any contractor can repair a house by buttering it up and cutting corners, literally in my case.

Jennifer told me that Frank was coming out as a General Contractor to give me an estimate on what the previous Allstate adjusters came up within terms of repair and replacement of my damaged home. A competitive estimate, because the money Allstate allocated to repair the house has been an insufficient amount for me to hire local, tax-paying, American citizen contractor. What General Contractor gets paid to give an estimate for work I was told he is going to do. What General Contractor then tells you he can't talk to you, only to Allstate because they are the ones who paid him, about the estimate he just wrote for work he is going to do.

Between the "I must have missed the hail damage" to the "I see the hail but missed the third side the side where the porch also ripped off and damaged the house" to the "available General Contractor who just happens to get paid by Allstate and has their estimating program." There are beautiful horses and ponies in this show. I understand that the economy is bad, but this kind of behavior is what Governor Christie is talking about. This is what is hurting us not only as a state but as a nation. Corporations with CEOs that made $18 million last year because they stuck it to their customers in the form of $10,000 here, $20,000 there, or in my case $38,000 and a lot of my time, mental stress, and disheartened for the system."

July 27, 2010

"I am writing to bring you up to speed with Allstate's correspondence. I first spoke with Jennifer ** on the 12th of July, 2010. She requested just the contractor quotes for the damages to the house and not the entire file I had. These quotes ranged from the early estimates in August 2009 to the most recent quotes that I got through June 2010. I sent her out these early and later quotes via fax at 4:00 pm on the 12th. I received a phone call about the quotes that they were received, and then spoke to Jen on the 20th about quotes and what number was I looking for. I told her I was looking for the numbers that the contractors were coming up with for repairs. She told me that according to Bob **, I was upgrading the house through the repairs.

The house still sits as it did after the storm. Minus the minimal electrical work, demo of porch and debris/tree clean-up to make the house safe and inhabitable, I still have all the repairs to make. In terms of upgrading the house, I don't think it gets any more top of the line than a slate roof and aluminum siding in terms of construction and costs. From the adjustments Allstate has written, it sounds more like they want me to downgrade my home investment. I told Jennifer if you need a number, you and I will go through the quotes from the contractors, break them down in comparison to Bob's adjustments and come up with a number. I spent the entire day July 21st, 10 doing just that, and boy I am glad.

I averaged the quotes from contractors eliminating the ridiculously high or not understandable what they were covering. I took into account work like gutters and fascia boards that contractors wrote to replace in one quote for the slate roof, and other quotes that were replacing it while repairing the aluminum siding. The averages of the estimates to repair, and only repair, are $38,000.00 more than Bob ** (original adjuster) wrote up.

Through advice from friends that are in the legal industry, contractors, and online nightmares in insurance that have been reading about, I will not start work on the house until Allstate comes up with a number that is the average to repair the damage. This is only fair. I don't feel like I am in good hands right now. If I am, they are both around my neck. When this incident first occurred on July 26th, 2009, we spent the first night at the house with a camp lantern and water we had stocked in the basement. I then went to the Hampton Inn, Clinton where I spent about three weeks until the electric could be repaired. Bob and I concluded that the electric needed to be completed to get me out of the house and save Allstate money on the hotel and ALEs (Additional Living Expenses), which averaged $1100-$1400 per week. Bob came back to me 6 weeks later and told me that he adjusted for $3100 in electrical repairs. I already had the electrical done 5 weeks prior for $4500. Allstate is giving me trouble with that, and I haven't even gotten the yard finish graded out from the electrical repair. There is a 150-foot weed covered mound where the trench for the underground electrical work was done. I can't even ride over it with the mower.

I spoke with Jennifer on the 27th. She wants to have an independent general contractor come out to do a competitive estimate. I wish I was given this option from the beginning, but I was told by Bob ** that there were no contractors in the area that Allstate worked with. I just called Jennifer back and she is going to come out with that contractor to go over the house with all of us on the same page. I will have to take off from work again, but at least we can hopefully put this to rest and repair my home."

I got a letter on Sept. 24 saying that Allstate is classifying our fire risk upwards by changing a rule. Our premium will increase by over 30%, another $350. We live 2 miles from a volunteer fire company, which will soon be less than 1 mile from our home. We have fire hydrants on our property connected to fire safety tanks. No break. I'm being forced to either raise my deductible or find a new insurer.

This complaint is concerning the excessive amount of homeowners insurance yearly premium in the amount of 7,729.11. I had no claims with this company. A couple of months before the renewal, my mortgage company had ready released funds to Allstate. I contacted the agent and ask why this tremendous increase. She had no good reason. I contacted the main office of Allstate. They sent me a letter saying that it pretty much the discretion of the agent.

I contacted other insurance companies to find out was it anything that was in and on my credit that would substantiate such an increase after contacting several companies they couldn't find any reason for such an increase. I was informed by the other companies to contact the Department of Insurance. In 09 my premium rate was 3,380.56. This agent was proud of the new SUV Lexus she newly purchased.

On July 5, 2010, I was on vacation in NC when I received phone call that my home was on fire. When I returned, I was told by claims adjusters that it was declared total loss. The contents has since paid full amount of coverage. But house was insured for amount of over $173,000. I have been offered only $110,000 which barely pays my mortgage. It doesn't allow for purchase of another home or to re-build. Allstate adjuster says if I rebuild, it must be on the previous foundation and 2-story as is what lot can accommodate. I am now elderly and disabled, and need it to be single-story. This adjuster has lowered the offer for lot, concrete pad, fencing (which I had none) and the foundation. He is unwilling to talk about it. Also, I had a 3-bedroom nice size home and they have me in a small 2-bedroom apartment with lots of noise and no space.

I am at loss as to what to do? At present, the loss is more than $63,000 and I do not have money to remove debris.

In May, Alicia sent me a quote for homeowners insurance of $1,102.78. She said that I would receive a bill for a higher amount. She said, "Don't freak out. Ignore that and wait for the updated bill. Whatever you do, don't pay on the first bill." I followed her instructions when the bill for $1,554.58 arrived in July, a month after my coverage date. Then, I received a notice saying that I had to pay an installment or the policy would lapse.

I called the office but Alicia was out of the office. So I spoke to Tim. I explained what she had told me. He said to go ahead and pay the higher first installment. It would be okay because it would lower my payments when the adjusted policy came through, so I paid. Then, I received notice of the next payment due--with no adjustment. When I called the office again, still no Alicia, and Tim was at lunch. I called Allstate corporate office. They checked and said that the $1,554.58 was the correct amount. They agreed that the discrepancy of $451.70 was excessive. They apologized.

An apology is not enough, especially when it did not come from the agency that made the mistake. If it was a mistake, if they had been honest with me at the beginning, I would have been able to shop around for a new insurance quote. I am extremely angry and wish there was something I could do to correct this disgraceful situation. How can they get away with this?

I contracted with this company (after divorce as a solo homeowner) in 2006. An inspector was sent out. My home has 952 SF as shown with the Tax Assessor's Office for my city. Somehow this inspector found "an additional 1,000 feet and I was charged for the additional square footage ever since. I just now realized, and contacted my agent, and he made the appropriate changes. I had already paid my yearly premium, and did receive a check for the difference after changes were made, however, my agent refuses to provide me with updated billing (so I'll know exactly how much I was always supposed to pay), and he refuses to send me an updated policy.

I asked for two years of overpayment (per statute of limitations), and he provided lame excuses. I stated to him that if I did not receive same, I would look into a small claims suit, at which time, he stated that he can not speak to me, because I mentioned law suit. Finally, I had made an electronic payment of $154.36 from my bank's bill pay website. This payment to Allstate was an error as it should have been made to my trash collector, All Waste. I asked my agent to send this payment back to me, and he insists I would need a copy of the check, both sides, as proof the payment was made in error.

An electronic payment does not send a check, it goes right into the creditors account. I have sent him copies of my banks emails in trying to resolve this matter, but my Allstate agent is not responding to me regarding this issue. He continually asks for a copy of the check, and until he receives it, he can not help me. The payment shows on documentation, when I check my payment history on the All State website.

And what is this mess, that they increase my policy amount (I contracted at $150,000.00), but they are using a program to change policy amount coverage to show how much it would cost to rebuild my home. Heck, home-ownership isn't a dream, its a nightmare. Why would I want to rebuild, when I would be rid of the nightmare, if anything happened to my home. This is ridiculous to change my coverage amount without my knowledge and consent!

The consequences include the money paid in error, which I need, to pay other bills if Allstate would just return the payment made in error. I am goping through a lot of stress due to this matter, which is effecting other health issues I am experiencing.

My entry door was kicked in and I was robbed on a Friday night. I contacted my Allstate agent next morning, spoke with the secretary and never heard back from my agent until over a week later, she sent me an email saying I heard you were filing a claim. So on the same morning, Saturday, after the incident, I called up Allstate claims and filed a report. They would not talk to me until I filed a claim. The very first sentence the claims adjustor said was, "We won't cover your claim; your HOA is responsible."

She denies she said it, but why would I make that up. I told her I wasn't interested in them paying a claim. What I called about was wanting help to get someone to put in a new entry door as soon as possible. That was on the Sunday after I called on Saturday. Then she said that they could have a person out possibly Monday and assess the damage and board the door. Well, I heard back from them on Tuesday that a guy could come over. So I live in a condo, with only one entry and the door has been kicked in and hanging on hinges for 4 nights now. I told them I couldn't have the door boarded when it's my only way in, I needed a new door put on. Well, that couldn't be done. It's Tuesday now, a guy wants to come over, and then I'd have to wait longer for someone to put on the door.

I went to Home Depot around the corner and explained the problem. That afternoon, I had my door replaced and new locks put in. Of course, I paid all expenses. In the mean time, still no help from Allstate. Allstate's good hands means getting my premium, telling me I had no claim, and never helping me to sleep in a secure home. Thank you, Allstate.

I have had Allstate Insurance for over 31 years, and I'm now in the process of cancelling service with them. My agent recently sent out a notice saying he was moving in with another agent across town. I have constantly tried to reach him but has not been able to talk to him. The reason for me calling him was due to a survey sent to me concerning my Homeowners Insurance. Allstate wanted to know who my alarm service was with, and proof my home was insured, or my rates would go up.

I submitted the info, and then my rate was increased approximately by $75.00 per year. I then received a survey asking me how many vehicles I owned, who drives them, the age of the drivers, how far I drive to work, the purpose of the other vehicles and an estimate of miles to be placed on the vehicles for the upcoming year. I have submitted that information as well, and I'm sure my coverage will also increase on my autos. The first time I called my new agent, she stated the old agent was on vacation. Approximately two weeks later, I called again and was told that my old agent had moved in with her office, and stated he would be working approximately 3 days a week, then 2 days a week, and to be honest, she hardly ever sees him.

I asked about my homeowners insurance and mentioned to her about the survey on my auto insurance, and she stated that my rates were so low, and my deductible was so low, that my account needed to be checked. I feel that my old agent has retired, and has referred his business to this new Office Park Circle Allstate Office, far from the Homewood office he used to have. This is not fair at all! After over 31 years with coverage, I feel my rate should continue, without an increase, because someone probably new in the business wants to get rich quick, on a good customer's account. I still haven't heard from my old agent of over 31 years, and probably won't, but that's fine, because I'm through with Allstate, and my family and friends are considering the same!

In June, there was a terrible lightning and rainstorm that flooded my basement area, ruining my carpet and some winter clothes. Also, my central air-conditioning unit was damaged, struck by lightning rendering me without air-conditioning in 98-100 degree heat in Birmingham. I figured that I might have had roof damage on a new $5,000 dollar roof that I had installed in 2004, so I had them check the roof also. The roof had not been damaged.

However, the Allstate Adjuster told me that my roof was put on wrong, and that if I ever had any roof damage that Allstate would not pay. The roof was put on by a professional roofing company, and inspected by a city inspector. I asked the Adjuster: "So if my roof gets torn off by a tornado or storm, Allstate will not pay just because you say it is not put on correctly? " He said, "No, we will not pay." I thought then, "Why have I been paying you since 1993 and you now come and tell me something stupid like this?" Then, I learned that Allstate should pay me for the damage done to my air-conditioning central air unit, so I asked about this. The adjuster told me if I had a company to tell them that my unit was probably struck by lightning, that he would cut a check, minus my deductible so that I could have a new unit installed.

My unit was serviced in March and there was nothing wrong with it. I had the service company send proof that the unit was working well before that bad storm that knocked the power off for six hours. I talked back to the adjuster only after I called a supervisor, who has also been giving me the run around. I have faxed two letters and a second air-conditioning repair company report to them, and I still have not heard from anyone. I have a life threatening illness that requires anti-coagulation therapy and should not be too hot. I still have not heard from Allstate. It is 98-100 degree weather here. I have had to buy a window air conditioning unit that does not cool my entire home. Then, on Tuesday of last week, my ceiling fell in for no particular reason. There was not any water leak, or anything that should have caused the ceiling to fall.

My daughter was visiting and it almost fell on her and her 13-month old son. I was so upset I had to see a doctor and have been upset and sick since this happened. I called Allstate and they told me they didn't cover my ceiling falling in. I am on a fixed income and have struggled to pay my premiums each month, but a dog should not be treated the way Allstate has treated me. I intend to keep faxing letters to Allstate until I hear from someone. My next step is going to be an attorney, then a new insurance company.

Plus, I believe this is the first claim that I have ever filed. Economic damage is that I will have to spend money that I don't have, and the physical damage has caused me to be depressed, sick and worried. I take medication for high blood pressure and a blood clotting condition. My doctor has had to increase my anti-coagulation therapy because I was so upset and forgot to take my medication. You are not in good hands with Allstate.

I had a thief in my home around 6 of 09. I submitted a claim for items stolen from my home as well as the damage that was done to my home at the time of the break-in. I also submitted a police report to Allstate insurance claims dept., along with everything that they asked for. Well they paid for the damage done to the house but now have denied my claim for the stolen items from inside of the house. Allstate sent a letter on January 20, 2010 stating that 1.Concealment or Fraud 2, Failure to cooperate during the claim process.

I sent them everything that they asked for that I had. The investigator stated that he didn't believe that I had some of the items listed. Like my jewelry a 4ct diamond tennis bracelet, dell laptop, 60 inch flat screen TV and a washer and dryer set given to me by my sons. I have never heard of this. He also said that since I wouldn't give them my bank account no. that I was not cooperating. It took a long time for me to get most of the things that were stolen as I told him and I will never be able to replace some of the items because they were given to me by my late husband.

I am so upset and have sent in an appeal with no response. It's a shame that we as consumers have no recourse. I feel so violated all over again from the insurance company. It's a shame that they can treat people like this and nothing is done about it. I thought that's why we have insurance commissioners.

Allstate refused to issue a new home insurance policy to an 88-year old woman who had been a customer for well over thirty years. The woman is our mother and was diagnosed with Alzheimer's Disease in the fall of 2007. The property in question, a 3-flat apartment building in which my mother, older brother and his 13 year-old daughter, and I have owned and resided in since May of 1999. Our mother was the primary borrower on the mortgage and my brother listed as co-borrower. We would contribute our portion of the mortgage to her and she would send her check in.

What we did not realize was that earlier in 2007, she had begun making partial payments to the mortgage company for whom this was unacceptable. All correspondence from the mortgage company went directly to her, so we did not find out that we were headed for foreclosure until October 2007. I was able to temporarily stop any such action by producing a dated letter from her neurologist confirming the fact that she suffered from Alzheimer's. The only thing they would accept was an application for a loan modification, which we proceeded with. The company was Countrywide, which was taken over by Bank of America. We are one of the families that the banks have toyed with over nearly three years, despite the fact that everything they requested from us were sent to them. I have my own fax machine and would send the requested documents myself.

Anyway, we have now retained a law firm specializing in loan modifications which should settle the situation soon. But there was the problem of the building being insured. During part of 2009 and 2010, Bank of America became aware of the loss of coverage by Allstate and took it upon themselves to insure the building with their own insurance company. I was aware of the building needing to be reinsured, but my primary focus was in saving the property (i.e.our home). I was honestly not aware that there was a time limit for a property to be reinsured and since our mother had insured with Allstate for so many years and I had carried on the tradition by having my cars and condominium also insured by them, I had no idea there would be a problem.

In contacting our insurance agent, we learned of the time issue and that Allstate would not comply. I also found out that in 2008, our mother had attempted to reinsure the building, but stopped making payments because she'd forgotten. This was unknown to both my brother and myself. My brother had obtained Power of Attorney to act on her behalf, but other bills regarding the building had also gone unpaid. So he was involved in straightening out and paying off those debts. I'm sorry that this is so lengthy, but it is a long and complicated story, and this is the abridged version. Bottom line is, unlike on their commercials, Allstate was not there when we needed them the most.

I came home from work on Tuesday 07/12/2010, my living room ceiling was on the floor, my hardwood floors had buckled, my sofa, and big screen TV was soaked. There's water everywhere. I ran upstairs, the bathroom is flooded. Somehow the toilet tank overflowed. The plumber said, "The ball in the tank didn't level, something like that. I called Allstate the very next day, 07/13/2010, to put the claim in, they said someone would call back, never did. I called them, the claims people said I wasn't covered and they hung up. I called Mr. **, he gave me some lame excuse. No one ever came to my house, or called back since.

I required flood insurance until May when FEMA informed our bank that we were no longer in a flood zone. I applied to Allstate for a refund and they're playing games with me. They have more than enough info to process our refund.

We have the potential of losing $400+. If the "process" goes beyond a certain number of days, Allstate cancels it and you start all over. It's unacceptable to be treated in this manner.

Claim adjuster visited insured house. I am the trustee for Jack L. A., a 97 y/o man. His shingles were falling from the roof. She quoted an amount between $7 hundred down to $4 hundred. I have called this person numerous times since Oct 2009. There has been no check forth coming. He being elderly makes it difficult for him to understand why a check of this amount has not hit his mailbox. This policy is in the name of Jack L. A. The damage covers a small area of clay shingles on a house in San Francisco. They periodically fly off the roof to the street below. Luckily the street is so steep, no one ever strolls up or down. The damage is not the issue. It is the service not received from Allstate.

I first contacted Allstate via their website and then called 800-787-0600. I was looking for a better insurance alternative to my then current provider. Rates were discussed and and I asked for information to proceed with switching over my insurance. They sent the paper work and I filled it out and returned it after several phone calls to make sure I was sending everything that was needed and sending it correctly. I was assured it was. This was in April 2010. Now, today on June 30, 2010 I received a notice that my policy will be canceled on July 14, 2010 because the house did not pass their inspection. It was not disclosed to me that this was a possibility.

I have not been in the house 2 years yet and this house passed FHA inspection prior to purchase. I even submitted an Engineers report to Allstate regarding the status of the house foundation prior to signing the paperwork. What their inspector refuses to pass has passed North Carolina State, FHA and and a private engineering firm's inspection. I cannot understand this. Of course they now have my money. I now have no car or homeowners insurance and all they will tell me when I call the local or the 800 number is they can't help me. The customer service person Maria I spoke with left me on hold for over 45 minutes waiting on a supervisor. I gave up and called the local office and was told the same thing "We can't help you" I will tell you that "In Good Hands" is an outright lie by this company.

My basement flooded and they are now telling me i don't the right insurance to cover it. No one ever explain what was a wasn't covered.

I requested Home Owners Insurance from Scott at the Penny Dombeck, Allstate Ins. office. He faxed me a quote and I told him I wanted it. He advised me to get an inspection, which I did. I faxed him the inspection report. I assumed that "I was in good hands with Allstate". I closed on my house a week later. My mortgage company sent me a letter requesting my policy number. I called Scott who had a memory lapse. He said that there was nothing in my file. Anyway, it ended up costing me $140 due to having to pay an "uninsured fee" with Citizen's insurance. In addition, I didn't have insurance and had to wait 30 days for my new insurance to be active. I want my money back. I have written to the President of the company. He refuses to acknowledge that there is a problem here. It's very frustrating. Please help me get my money back. This is fraud and theft.

I have a renter's insurance policy with Allstate. My apartment was broken into. It was a very bizarre robbery because the criminals busted through the dining room wall. I was in the process of moving because my apartment was vandalized by the same criminals prior to the robbery. They stole all the copper pipes. I was told by the leasing office that I had to move immediately because it is against the law to rent an apartment to someone that does not have running water. The management had no idea how long it would take to repair the situation. However, there negligence is another story wholly. I moved some of my things to the new apartment. However, I did not have a truck to move everything. I thought the majority of items were moved that could be stolen.

To insure my property I baracaded the front of the kitchen cabinets because I thought that would be the only way that the robbers could enter my apartment. Well they came throug the dining room wall. My apartment was in a mess when I discovered it. I could not determine what was missing because the floors of two rooms and a closet was covered with clothes, papers,etc. I called the claim into Allstate. It took almost three days for the adjuster to get in touch with me. She stated to give the police the inventory list of stolen property once I was finished with it. I did exactly that. It took me some time to get the list completed because I moved from the complex completely and put my things in storage. At the time I discovered I had been robbed I could not think. All I could do was wonder why was this happening to me.

Well, the adjuster turned my claim over to the special investigations unit. It has been almost two months since the robbery and I have yet to receive a settlement for my stolen property. It seems that there are some indicators that I may be committing fraud. This is what they are accusing me of. The investigator wants to pull my credit, work history, medical history, etc. Why? What does all of this have to do with me being robbed? It is obvious that Allstate does not want to settle claims. They have no problem with taking consumers' money. However, when it is time to pay they take us through all of this red tape. It looks like they will be facing another class action suit again if they do not change the way they do business.

I have mold in my house and its in my policy that they cover it and they wont. The mold has damage the house and everything in it. I had to have my kids remove cause they have lung problems.

we received the estimate and was told to get the sections to replace and repair and when we ordered they would send the check. the building was no longer being made so we had to special order the sections from the manufacturer in canada.

eveything seemed fine till i went on allstate web site to pay my payment and spotted the claim was totaly shocked. the pictures taken by the adjuster was of the garage but also included our mail box, our house and several comments. i called my agent and she was unaware of the photos, i told her the pictures were of the renovations being performed on our home to ugrade the deck and home exterior. the adjuster never even took pictures of the damage to the foundation of this garage, i called her and she was unaware there was any, i told her i would send photos but she said just send me the bill and we will cut a check, she didn't properly do her job on this matter, she was to interested in our renovations.

i thought nothing more about this till several weeks later i get a call from my agent stating that i had 30 days for all renovations to be done. i told her this was major work being done and may not be done in 30 days, she said they had to be done just cover it up till the home inspection then we could undo this and start the renovations over again. i told her a cover up of this was not fixing what we were working on and we wanted this done right, but she insisted it had to be done in 30 days to keep our insurance. we went in to panic mode and start the repairs fster and if need be would cover it up if not completed.

with a month to complete we received a letter from allstate risk management stating we need to seek insurance elsewhere as in 30 days we would no longer be covered, again i called my agent , she stated this is standard and once the repairs were done we would still have our insurance. we took no chances, while we still are working on our home every day to complete the renovations i started looking for the new insurance for all 3 suv trucks and our rv and home. i am now in a better policy with 1/2 the yearly cost. allstates good hands just slapped me in to something better.

even though i have been with allstate for over 35 years i found the [competitor] insurance was a great savings, so losing my good hands insurance (ha ha) was a blessing for me and allstate will soon get thier termination notice in july not just our home but all the vehicles, allstate you are losing vauled customers. i will send the notices to you for july 1st and with pleasure let you know i have a better rate and policy and will be a very happy former custmoer. thanks for this as i now save money and have a great insurance policy!

A Plumber ran a hole through a pipe in my kitchen, I didn't discover it, or the water and mold damage for a month. I called Allstate. I spoke with Andrew L. It took two weeks for an Adjuster to come to my home (Michele G). Andrew was going to send me a check when we spoke on the phone but Ms. G came to my home and denied the claim. The picture she took was taken under a piece of plastic, she never looked at the mold. She said she would pay for the mold behind my refrigerator (which was a dust spot from my compressor). I showed her the damage in my living room, under my carpet and two of my China Closets. She told me I could scrape the mold off of the carpet. She then told me they would not cover the loss. The mold was too old.

I have talked to countless people at Allstate and each time I get a different story. They told me that if a loss is sudden and accidental they would cover it. The two feet of water in my wall was sudden and accidental and so was the mold. I talked to Andrew L's boss who told me that anything over seven days was weeks. I had a brand new $30,000. kitchen put in last year, now I have not had a kitchen for almost five months. The back of my house is open and the mold is supposed to be inactive, although it is still there. I tried to explain to them that I have COPD and it is hard for me to breath in this house, but, they do not care. The Plumber, Hawthorne Plumbing of Las Vegas, NV. has an insurance company that has offered me $7000. to fix everything, that won't even cover the Mold remediation and replacement of my back kitchen wall. I am against a brick wall and do not know where to turn, I am a Senior Citizen, I don't think that I should be treated this way.

I was told on 6-8-10 from Mr.H from allstate that my claim was denied due to wear and tear of my unit after an adjuster from allstae Mr.C did an inspection on my unit. I wasnt given any details of the inspection when requested from Allstate. I was told by Mr. C at the tiome of inspection that the weather would need to be investegated at the time the claim was called in before he would make his decision on claim. I had my unit inspected by several of ac companies that decided my unit would need to be replace after the storm due to the lighting during the storm. I had two of the tech to speak to allstate in detail regarding my unit. The unit would cost $5000 to repalce in my total electric home.

I called allstate to ask about my garage door tearing up my wall base to my garage. They came out and looked at it and said it wasn't anything covered by insurance...that's cool, no claim filed. Well, that was in jan 2008. My insurance just went up on my home by $456 and therefore made my mortgage payment go up by $93. I called another insurance agency to get a quote, and they said that the system shows I have filed 3 claims. 1 for the garage door, 1 for the roof and 1 for water. I only called to inquire about the water part, no one came out. I truly only have 1 legitimate claim and that's for the roof, but I can't get insured by another company now until these fake claims fall off.(they take 3 years) I'm assuming my rate went up only because they paid a claim on my roof, which is wrong. I cannot wait until I can drop Allstate... and I will!

Allstate cancelled my homeowner's policy because I do not live in the house anymore (it is a 3-family property in which I used to live). They claim they send notifications and a refund check to the property (even though they were assuming I did NOT live there, and had my telephone number). I have not received any notifications nor a refund check. I only found out about this becuse I had called to file a claim when a tree from a neighboring property fell onto my property/garage.

I switched insurance companies in February 2010 to get a better rate combining home and auto. I chose Allstate, the "good hands" people. This has proven to be a disaster! I had purchased a different car and called to update my policy. After taking care of that, I asked a question about my home insurance. When the representative looked up the policy, she said it had been canceled. She went on to say that it was canceled because of a leaning fence post, aluminum shed doors that were off, a (1) rotten deck board, and curled roof shingles.

I asked how that was found out, she went on to say that an Allstate representative came to my property and took photos. I told her no one contacted me about coming to my home. She said that they didn't like it when home owners were at home so they don't make appointments. This avoids conversations for the representative with the home owners.

I informed her that was trespassing. I have children that could have been at home and I would have expected them to call 911 had they seen a person in the backyard with a camera. I expressed my great displeasure with the situation in a polite but firm manner. She said that I may be able to send in photos of the repairs when they were done and have the policy reinstated, but that May 21, 2010 was the day the insurance would end.

Two days later, I received the official letter from Allstate about the cancellation. There was not anything mentioned about repairs being needed done by such and such date only. This policy is canceled as of May 21! The following day, I received a check in the mail for the amount paid up to date. Again no mention of anything except cancellation.

I am not yet cashing that check. I am horrified that Allstate came onto my property without permission or any sort of prior contact. I have mentioned this scenario to a some people and they have heard of this sort of thing happening to others. I don't know if it was Allstate or not. I have found out that Allstate is not the "good hands" people as they advertise! Needless to say, I am looking for another insurance company. Oh, did I mention that I had just paid for an appraiser two days before my phone call to refinance my house? Very bad timing!

On June 29, 2009, we had a break and enter at my parents' home. My parents had their own insurance. I had my own contents insurance. My parents had intact insurance. I had All State Insurance. My parents' insurance company came out and investigated. The police came out and made a report. My insurance then came out and the agent took pictures and the report. I had to sign all these forms and a police consent form, etc. I had told her that one year ago, we had a flood in the basement apartment where I lived and I lost the receipts and boxes, etc. in the flood and he told me not a problem.

So then, about two weeks later, she asked me to fill out a loss of contents forms and email it back to her. I did that. I called her numerous times and always got excuses. Then, one day, I get a call from someone at Allstate and he told me that my claim was transferred to him. All of a sudden, he asked me to fill out certain forms, so I did. Then, he tells me they were done wrong and then he sends me a police consent form and I send it back.

It's almost been a year and their logo says, "You're in good hands with Allstate." What a major understatement. I think they are the worst. You can never get a straight answer. The way I see it, the longer it takes to pay you on a claim, the more of our money they have to play with. But when you owe, instant cancellation of policy. But it's okay for them to hold on to money that belongs to us who have claims in but when they want to hike insurance rates, it's okay because they figure you need insurance if you want coverage.

So we can do what we want and you will suffer. Makes you want to start your own insurance company. It seems like it's legal for them to rob people and get away with it. That's just wrong. Not only have we been violated by having our homes broken into, flooded, our cars stolen, etc., but we also get ** by the Allstate Insurance. Truly unfair.

I have had a Homeowner Policy for 30 years with Allstate. This week, I have found out that I have a water leak in my foundation slab. I called to submit a claim for the leak and they told me my policy does not cover slab leaks. This should have been written into the policy. Of course they say they notified me in 2001, but all my paper work from Allstate has no mention of not covering the slab.

It seems they should have called me and asked me if I wanted to include my slab in my policy. They didn't mind increasing my premiums every year. Yet, they failed to tell me my policy needed upgrading. Seems to me there is a bit of bait and switch going on here. No wonder people are up in arms about the way we're treated by big name insurance companies, yet we have no recourse. What a shame!

My home was broken into for the second time on 3/21/2010. I reported my claim to Allstate. They have been less than cooperative with helping me through my loss. Their customer service has been horrible, unprofessional and less than sympathetic. First, they tell me that my claim would be "express"; then they decide to switch it over to their local office in Woodridge and drag it out. In the meantime, my home has a broken gate, broken door and a busted out window. They told me that they would work around my schedule but I had to take off work for them to come out to my house a full week after the break in.

Then when the examiner comes out, her camera dies so I have to email her the pics that I took after the break-in occurred. Constantly they are asking me for receipts for items that I no longer have receipts for. I didn't have to produce receipts for my first break-in and nowhere in my policy does it state that I need to keep all receipts of everything I own. I thankfully kept a couple of boxes from a few of the stolen items that I kept out in my garage. Out of over $3000 worth of items stolen from my home, they sent me a check for $78. I could have saved my money and not had insurance and covered my own missing items. They haven't covered my door, my gate, my iPod and a laptop that was in my possession that I paid for. I'm canceling this horrible policy and severing ties with the worse insurance company ever as soon as I finish writing to the Better Business Bureau and the Department of Insurance. Their lack of covering items cost me my engagement ring. I had to return it to cover the items stolen from my home.

I requested a quote online from David ** of Allstate/Chris ** Agency, which resulted from an email ad. The quote was customized for me specifically with the $1000 deductible requested. An agreement was made and legal tender presented to secure the policy. The amount of insurance was for $180,000 coverage with $1000 deductible. Pretty basic and standard request, right?

In September 2009, I had severe water damage from a leaking radiator in a second floor bedroom. After a few days of leaking that came through the floor into the ceilings and ran the outer seams of my kitchen ceiling, it finally manifested itself in the form of a puddle in front of my refrigerator. I first mopped up the puddle, thinking that maybe the refrigerator waterline had began leaking. The next day, the puddle reappeared and also had ran into the storage room of my basement. I called Allstate, reported the incident and was informed, after a date for a claims adjuster to come and assess the damage. I was informed that the damage would not cover the $7500 deductible of my policy! I informed them that there had to be a mistake. Who on earth needed or would ever secure such a ridiculous policy? I called their headquarters and was told that I should have read the 56 page insurance policy that was mailed to me to determine if there were any errors. No regard was given to the actual hard copy quote that I based my decision and paid the first months premium on!

Lastly, I filed a complaint with the Ohio Insurance Department, looking for some restitution of such a denial of claim. The department's analyst totally ignored the facts and with her mind made up through verbal conversations with the agent and independent Allstate business owner that I was yet somehow held responsible because I did not read the policy, they claimed was mailed with paperwork that needed to be returned, that there was no wrong misrepresentation on Allstate's part. In other words, they did what was required and I should have read the policy and found the error. It doesn't matter that the premium doesn't fit the deductible or the fact that there is an email showing the $1000 deductible requested and shown on the quote that payment was issued.

I have today, and after 7 months now, forwarded this concern to the director of this organization along with my expression of disappointment in their inability to process plain simple hard copy evidence presented to them, and without request but upon my insistence that they acknowledge both sides of the story and the evidence presented. After 7 months, my house still in the unrepaired and in damaged state. I received a letter today, 4/6/10, still denying that there has been any violation or misrepresentation by Allstate. Can you believe that? The only thing that the Department of Insurance did was instruct the Allstate claims division to go and assess the damage and take pictures that resulted in an estimate of over $4500. That is a lot of damage! I have paint and plaster still falling, ceiling fell out of my kitchen, linoleum tile loosen from the kitchen floor, wallpaper in kitchen and hallway under the bedroom is still peeling and hanging from some walls, rugs in bedroom water damaged and hardwood floors need to be refinished and stained. I could not enjoy or entertain for the first time through the holidays because the damage had not been assessed, although I took my own pictures.

Allstate has carried our homeowners insurance for seven years without any claims or "incidents. " We even went so far as to not file a claim when we had a legitimate loss that we should have collected on because we try to be responsible with our insurance to a point of fault. When our renewal papers arrived, Allstate jumped our rates from $1,000 to a whopping $1,800 a year.

As if that were not bad enough, if we stay with Allstate, we'll have to pay three times our usual premium thanks to the $1,600 hole they want to leave in our escrow. I hate to change insurance. I'm the type of person that buys a policy and keeps it for life, but not this time. Their motto is "You're always in good hands," but they forgot to mention that those hands will rape your wallet and leave it screaming in your pocket.

We called our agent for answers, but the only response we received was the usual company programmed response. Now, a day later, I've already found another carrier that offers more coverage for half of the cost Allstate wants to charge me for the upcoming year. If we kept our Allstate policy in force, we would have to pay three times for less coverage thanks to a $1,600 hole left in our escrow account, thanks to an unreasonable rate increase. We've also been forced to move all of our insurance because the second we cancel our homeowners policy, Allstate has promised without any remorse that we will have significant rate increases on our remaining policies. I've been forced to take time from work plus all of the hassle of pulling quotes from various companies to fix the mess Allstate created.

Allstate cancelled our homeowners insurance after processing a claim for a flood that damaged our downstairs flooring. We've been with them for 16 years with only one other claim (hailstorm considered as "act of God") and this is how they treat us. We also have our car insurance through them. We cannot get a return call from our local agent as to what is going on. We are going with State Farm now as they gave us better coverage policy for $100 cheaper a year. This is a huge inconvenience and complete disappointment.

They are not nice to their customers. I sent them a fax several months ago to cancel my Flood Insurance with them. I come to find out it was not cancelled and my mortgage company paid them. I called Allstate and they said it was finally cancelled and a refund check was sent out on 1/2/10. I never received the check so I called them again. They told me the same thing. I finally called FEMA and they told me it was not cancelled. So I took care of it with FEMA myself. I called Ray ** Allstate Insurance back and spoke with Eric. He was rude and hung up on me. People like this does not need to be in business. They are rude and do not care about their customers. No refund check received as of this date.

Allstate has held my homeowners insurance policy since 1986 and when I've filed for a new roof, it has always been denied. I replaced my gravel roof with asphalt shingles myself years ago. In 2009, 2 companies told me I needed a new roof but gave me $72 to repair it. I paid over $250 to repair it and recently several ceilings are showing water damage. They will not help me and my agent says he doesn't understand why they refuse. Water seems to come in the vents on each side of my 1 story frame home. Allstate says the vents are not part of the roof. I say they are above the roof, are part of the roof.

I've also recently complained to the Insurance Dept. of Texas for help. I am awaiting their reply which can take up to 8 weeks. I've paid my premiums and probably enough to have paid for a roof anyway. Please, I need help because Allstate has now increased my premiums at $30 each month and taken me now off of the no claims list. I'm afraid I will be cancelled before my roof is repaired by them and no other insurance company will pick me up as a client. My policy is an old one with $250 deduction, but they want to re-write another policy with a higher deduction ($1000 or 10%). I don't want to because I am retired and on limited funds. Please help me.

I have set up for automatic installment payments to be debited from my bank account. Allstate has been making monthly debits from my account for the last 5 months with no problems. This month I got a dun notice that if I didn't pay for the last two months, my insurance will be canceled. When I called them I found out they were using the wrong credit card number, stating they didn't get last months payment.

When I faxed them to prove that they did debit for that month. She lied and said they couldn't get payment for only one month. But they already debited for 2 payments. Therefore, I am paying my December payment twice. The Allstate agent is never there when I call and I never receive any call back when he is. I called the Allstate headquarters and talked with a Jen but got no help there. I am on a fixed income and cannot afford double payments. All I want back is the money they are cheating me.

Before purchasing our new home, I called around to compare prices for home insurance coverage. Allstate offered the best coverage for the lowest price, so I went with them and paid the quoted annual premium of $423 for $257,000 of coverage. About a month later, a letter arrived saying that my insurance premium was actually $722 annually because they reappraised our home for $440,000. I quickly switched insurance companies to State Farm. I had them do an inspection before I signed up and who set the replacement value of the home at $270,000. I must have talked to 10 different people and faxed a cancellation notice over 2 times before Allstate finally cancelled my account. After talking to an additional 2-3 people, I was told that I would get a prorated refund, but based on the $722 premium, which I never agreed to!

The lesson I take from this is to always have your home appraised by the insurance company before paying them anything (we were in a bit of a rush because we were headed to a closing). Secondly, even though they'll charge you for the privilege, only pay month to month for the first few to make sure they don't try to screw you once they already have your money.

My homeowner's policy for my Kentucky Home has arbitrarily doubled over the past 3 years from $660 to $1226 annually. I have had no claims and there have been no changes in this property to warrant this type of increase. I contacted my Agent when the premium increased last year and they said they would check into it . . . . they never resolved my concerns. I followed-up by using Allstate's web-based customer complaint process which did not resolve the issue. In a last resort I called and spoke with many customer service representatives including a call to the chairman's office, I was consistently ignored or not responded to. This increase is unacceptable and scandalous! I feel that they offered me a low, but competitive, initial premium to get me to select Allstate then over a couple years doubled the premium without cause.

Allstate should establish a fair 3-5% annual policy premium increase which would make my current premium ~$750 annually . I am requesting that Allstate adjust my Homeowners Premium from $1226.26 to $750 annually and would like consideration for a refund of the difference from the actual premium I paid to a fair 3-5% annual adjusted premium for the last 3 years of over-payment.

Allstate cancelled our policy after we submitted ONE claim in 20 years for a $600.00 floor replacement. Our agent MIKE B lied and told me I had no insurance. He proceed to intimidate me by asking me to get someone else to read the policy for me since I was not able to read!. When I insisted we had a policy for such damage, he sent someone out. They paid us $600,oo for the damage and then CANCELLED my home owners insurance. I called Mike B back, he NEVER answered any of my calls. I received a letter that said he would reinstate my policy for $100.oo more a month!!

Our daughter was in a major car accident...we had full coverage and had to fight for 13 years for justice. In a court of law we were awarded 1.4 million dollars in damages. Allstate offered us $15,00. These are people lives, these are our children. These are the loved ones that we THINK we are protecting but if fact, when you buy a policy with ALLSTATE you are buying a cheap piece of paper, nothing more. When you need them, they will NOT be there.

such deceit. I want everyone to know, if you never have a claim, YOU ARE IN GOOD HANDS. They are good at taking your money. If you have a claim, they will lie, find clauses to make sure that that the insurance you thought you had,you in fact do not have. Everytime and in every way possible..

Allstate took 2 months to process a claim for rain damage. I finally got a decsions yesterday on 12/5/09 that they will not pay my claim. They said rain was coming into my home by the vents and that was workmanship, which is not payable.

The strange thing was that the first report was supposedly lost. It sounded strange. I told Mr. Garrent to send over the summary because I will take up the damage with FEMA. Now he won't send my summary.

well something did happen, i got sued and allstate helped at first but found a LOOPHOLE and now i have lost everything, i am homeless except for the charity of my son. i have lost apx $one million in financial assets and another million in grief and medical problems resulting from this inceident.

Water damage, took a week for adjustor to approve restoration company to remove damages. Gave approval to restoration company to remove damages, then backtracked and claims company is responsible for removal of what they consider unnecessary repairs. Insurance states that if damages are not claimed at time of incident, they won't pay claim, but won't pay for insuring all potential damages for mold, water, etc. are taken care of at damage. Insurance wouldn't provide a contractor to go through, stated in past that didn't work in their best interest. Now since the two proposals are higher than they approve, they have brought in their own contractor.

I have a entire wall leaning on my home and the claims ajuster refuses to send an engineer. He told me he was no engineer and could not find why my walls are leaning. then he said he was not sending anyone and he was dening my claim. The supervisor hung up the phone on me and refuses to refer my complaint to anyone else. I can not live in my home because it is not safe.

I should not need to contact my agent, and in turn her contact [their] office more than one time concerning any issue! Again, do [the] research. Again, this is not a problem with my agent or her office, it is a problem with the home office and their employees not making the correction when notified.

When we were unable to contact Mr. S @ his business #, we called the allstate hdqtrs toll free number and ended up talking to a customer service rep (Brian) 10-24-09.

We informed Brian of our concerns about having a policy that did not reflect our existing
home. We were told our existing policy was for a "stick built" home and our home is a manufactured home.
Brian was informed by us that at the time we took out the policy with allstate the agent was informed we were in a manufactured home and provided the agent with the make and model + square footage. We were asked if the agent had
inspected the property. We advised Brian that we had never seen or heard from any allstate agent since we opened the account with allstate.
We expressed our concern that this misrepresentation of our property could (if we had submitted a claim) cause allstate to not allow our claim.

Brian indicated allstate would honor the claim if submitted, but would require re-writing a policy reflecting the manufactured home.

We advised Brian that now that we know there is a problem shouldn't we have a revised policy if something should happen that would require a claim.
Brian said he didn't think that would be necessary, but since we and he were unable to get thru to our agent in NM, he would transfer us to an
agent here in Deming.
We were refered to a lady named "Mary Kay". She

said she could provide us with coverage right away and would call us back ASAP.

10-26-09 we were contacted by Mr.
S of allstate in Edgewood,NM who advised us that he was not the original agent who wrote our policy, but had only
been given the policy a few years ago and the original agent no longer worked it that office.
After we explained our concerns about the irregularities with the policy ( Mary Kay had indicated our policy said we were inside the limits of

the city of Deming) and if allstate could use this as an excuse to disallow us if we had submitted a claim Robert assured us that allstate would not ever do such a thing.

Robert explained that they (allstate) would simply pay the claim and close the old policy and than write the proper policy for a manufactured home.
Robert indicated if we were inside or out of the city limits of Deming made no difference plus an agent could have inspected our property without contacting us and simply taken a picture

of the exterior.

10-27-09 Robert contacted us to provide us with a new quote for a policy on our manufactured home. He assured us that we could simply write a new policy that would take effect after the old policy expired. (policy # 9 36 544227 exp 12/1)
Robert also indicated that we had his word that allstate would not require us to any payment of fees for back coverage

since the misrepresentation was not of our doing. Robert gave us a quote of $531.00.

WE expressed to Robert that we felt the reason the original agent failed to give us a policy that reflected our actual requirements was that he could bid below any other legitimate offer.
While calling around for offers of a new policy my wife rcvd a call from allstate "Customer Resolution Dept"
Ms. S advising her that if we were to pursue this complaint allstate
might "back charge us" !!!
This had all the feeling of a not so veiled threat that only added insult to an already open sore !!! Becky's phone
# is 1-800-995-2587 ex4575.

I called Becky back to ask her if she may need to talk with agent Robert S. She was not available even thou it was only about 2:30 pm dmt and she has not yet returned my call.

There were several hail and wind storms in Georgia this past spring2009 and the neighbors and I noticed damages to our roofs. I had the unpleasant opportunity to have an adjuster with the worst attitude..Like I owed him something.Not pleasant,no handshake or introduction as to who he was ,just maam I am here to inspect your roof! After the inspection he told me he saw damage but he could not justify my getting a new roof,he said things looked iffy. I asked what did iffy mean he said there could be damage and maybe not.I asked him could he be more clear and he said as he walked away that he would have my estimate in 15 minutes. The estimate covered the leak in a closet and the mold in the garage but nothing else! If you get rid of the mold and fix the closet and the roof still leaks what was accomplished? Another adjuster came out after I complained and I knew they were not going to go against a fellow worker but I thought Id try nothing folks roof still leaks. Thanks Allstate

I had a water damage claim in June, had to move out of my home and left it in hand of Allstate contractors. In July there was a burglary, and when I investigated found that every single windo in my home had been left unlocked. I am now suddenly being non renewed (Oct 8) because of 2 claims.

I plan to file a complaint with the North Carolina Insurance Commission tomorrow. I have the name of a qualified roofing Engineer, and may be forced to seek legal representation. Allstate is disgraceful and arrogant. I will detail this travesty to everyone in the small town in which I have lived for 50 years. This has taken a huge amount of my time to manage and detail and considering R. Francis will not return my calls, I see no other option.

I have been with allstate for about 3 years, homeowners and car insurance. They offered a great service. Accidently I had two homeowners policies, one was with state farm and it came out of my scrow account. And I payed (ALLSTATE FOR 3 years) I wanted to cancel Allstate and have all 3 years of the money back, since that if I had a fire the two insurance would't pay. Allstate refund me ($628.93) and it was canceled on Aug, 09

Subdivision our home is in (Grand Cascades), was hit by a hail storm on January 5, 2009. We have been given estimates by (3) roofing companies that our roof has hail and wind damage. (6) homes surrounding us ((1) on each side=2, (1) in the rear and (3) across the street from us all had roof replacements from hail damage. (2) of the homes are also insured by Allstate. They had no problem getting their claims approved. It is virtually impossible that our home, in the middle of (6) others, has no damage. (2) different adjusters from Allstate came and looked.

The 1st one took pictures and reported minimal damage, the second one said that it would "look bad" if he contradicted the other adjuster. However, he approved money to fix the leaks inside the house. If the roof was not leaking, why would you give us money to repair the leaks inside? Is that not an admission of damage? The fact that he did not want to contradict the other adjuster should be proof enough. Another Allstate adjuster told our neighbor that the subdivision was labled a "Natural Disaster" as a result of this particular storm. That the claims are not going against premiums. It was an "Act of God".

There have been over 200 roofs replaced in the subdivision. I can get a list of all of them and the homeowners names. Allstate continues to drag their feet on this. It is now in the hands of an advocate. It has been over a week. The most recent roofer is prepared to state the damage from hail and wind. We continue to have interior damage when it rains. Ceiling damage on the interior ceilings which Allstate has paid us $1500.00 to repair. The cost of a roof replacement is approximately $8,000.00 - $11,000.00.

We have had our homeowners insurance with Allstate for the past 22 years.

Turns out the valve on my toilet, in the bathroom above the kitchen, had been leaking. I had the toilet replaced two years prior and I am sure that the valve was damaged during the installation.

I called Allstate and they sent an adjuster out to survery the damage. After his asessment, I was told that since the damage was caused by leaking water and was not the result of a burst pipe they were unable to cover the water or mold damage.

I called my insurance agent and he was totally ineffective. He offered to try and get us some help but he never even called back.

What a joke. Allstate just exludes any loss that they have had to pay for in the past. They pick and choose what they will cover.

The policy should just list in plain and simple English what they will not cover. My policy is smoke and mirrors and subject to Allstate's interpertation.

Also, why does Georgia allow Allstate to exclude this type of coverage-just think of all the two, three and even four story homes in Georgia that this type of incident could affect.

If I could've seen into the floor or ceiling then I would've fixed the leak. Since it was hidden, there was no way to know, until saturation. I guess I should be happy the ceiling didn't fall on my head.

Just received my homeowners renewal which shows a substantial increase from last year and I understand about the increased coverage. I KNOW that my credit information is used to determine my rate and a re-assessment of my credit information is available but I would not get a cheaper rate and for me to order my credit report and check for accuracy which I did. Bottom line is that I do not owe enough, i.e. no mortage information or have high enough credit limits to qualify for a cheaper rate.

I am a senior citizen who have paid out two homes, countless automobiles, boats and rv's in the last 45 years. I now have one credit card with a limit of 7,500 on which I have a balance of abour $4,000 and I pay up to $500 per month on it. I was told the amount owed was more than it should be in regard to my credit limit. I have never had a late payment on any account in all these 45 years and actually paid off my home early and for this I am penalized because I do not have a bunch of credit cards, do not have any kind of morgage. What a crock. That is what is wrong here in America and why there are so many foreclosures.

P.S. I am a former employee of Allstate.

Then after almost 2 months I get a letter in the mail telling me that I had to go to a certain address to get a reason why and I do. Guess what you have to pay to get a reason why it was so high and why they wont do a home 3 blocks away from them.

Approximately four years ago my husband and I bought a boat. We were told to bring the boat to the insurance office for apprasal, which we did. We were told, by the insurance personell that this boat was appraised at $27,000.00. So for the past four years we have been paying on a $27,000.00 policy.

Just this May, my husband was coming back from a fishing trip and was ran off the road, unfortunately, he did not get the liscense number, the boat jack-knifed and came off the trailer, totaling the boat. While the Allstate adjuster couldn't find our boat in the blue book, he claimed to find a boat that he felt was comparable, and we received only $9,000.00. My question to my insurance agent, Peggy Melancon, was "Why was I paying a $27,000.00 policy on a $9,000.00 boat?" She tried to tell me that it depreciated.

Now I understand depreciation, but there is no way that this boat depreciated $18,000.00 in less than four years. She said she was talking to a boat company in Florida that was familiar with these boats to get another quote, that was over a month ago. I've been calling several times every week for over a month, she refuses to return my calls and I fell like I've been severely taken advantage of. I also feel I've been a victem of fraud. Since I was told that I needed to pay for a $27,000 policy, and my boat was totaled, I feel that I should have been paid $27,000.

I'm frustrated and don't know what else to do. Like I said, I can't even get the office to return my calls. Please help.

I was an Allstate client for over 8 years with NO claims. All of a sudden they raised my home ins. from $555 yrly to $1745 and my auto from $380 for 6mo. to over $900. Why? They said they could check credit reports and my bankruptcy allowed them to. That's BULL@#$#%T

We had some really bad summer storms. I live in the deep south so our weather can get bad. We had serious hail damaga to the roof and it was leaking in my son's room. The adjuster came out, checked everything out. We were told that we would be given a specified amount for the repairs. We proceeded to hire a company to do the repairs. Once the repairs were completed, the insurance company refused to honor a signed contract and refused to give us the money we were told we would receive. The adjuster says he did everything right and we should have gotten the amount reported to Allstate. I would think this would be a breach of contract.

I cancelled all coverage with Allstate Ins. YRS. ago, so I understand all of the consumer complaints against Allstate. But, a family in Powder Springs, Ga. just had a payment for a new roof - AFTER having the roof replaced. NEVER was seen by an adjuster, prior to putting on a new roof. A new roof was put on by a family member's business, THEN Allstate was contacted. Supposedly "hail" damage, but how will anyone ever know. Maybe that's why legitimate homeowner's claims don't get paid by Allstate. Guess it depends on who you know with Allstate. I never heard of fixing cars, replacing roofs, without an adjuster ever seeing the damage - or claimed damage. Guess that's why insurance rates rise, & many adjusters with Allstate deny claims == just fix it & then they'll pay. What a deal!!!

I had a natural disaster. There was a storm and a tree fell on my house. I submitted the claim. Allstate paid, but they only pay what is called " cash value", which is even less than depreciated value. So after all was said and done, I had to pay alot of money above the insurance check to fix my house and Allstate promptly cancelled my homeowners insurance. The commercials that say Allstate helps in time of need are false. After a tree falling on my house, the last thing I needed was to have my insurance cancelled.

We had a hell storm that came through our community and damaged our cars and homes. We have been told by several roofing companies that we are in need of a new roof. But, have been denied by allstate. We can not understand how a hell storm can damage our car and gutters but not our roof. They two have not been able to fully explain it either. They are trying to get out of paying for a roof. We have paid them thousands of dollars over the years. We have been with them since 1995 which would pay for two are three new roof. They say that you are in good hands with allstate but we are finding out that those hands are for taking your money. We are hard working people that can not aford to pay allstate thousands of dollars and pay the repairs as well. That is the reason we pay for hazard insurance.

Had a leak from the heating and a/c system that ran under the kitchen tile and was not discovered until it started buckling the hardwood floor in the living room. The leak was found and fixed that same day. Allstate said they denied the claim due to 'leakage over a period of time' and since we didn't KNOW about it, so could not FIX it until it buckled the hardwood, it was a null and void claim. Stay away from this insurance company.The agent said that NO INSURANCE COMPANY would cover a leak like this, so my question to him was that since we fixed it the very DAY it was discovered, what happens to all us baby-boomers if we have a cabin by the lake and arrive in May to find that a pipe burst during the Winter and flooded everything...NOTHING would happen. Why in the name of everything holy have we paid faithfully thru the years just to have the first claim we ever made blown off?

Insurance adjustor came a week after tornado on April 10. We were told to go ahead and put new roof on house and get broken windows replaced and they would have check in the mail for that much of the claim within 3 days. Since then they have changed our adjustor 3 times and last adjustor came to house and told my husband along with contractor -3 days the same as first adjustor. it is now July 5 and no check for roof or windows much less all the rest of damage. They make excuses or say they haven't checked e-mail. Not sure where to go from here.

I called and left messages on the above numbers on 5/15, 5/19 and today 5/29. I don't know what else to do. It could have been very easy to resolved. They had the wrong street address number and wrong appartment number. I also called Father's Allstate Insurance Agent, on 5/15/09, J.Comparetto and explained the problem. (as they still handle his appartment insurance) J. said he would send C. Pressley an email. I tried calling her today, and the message is "she's out for an extended period of time". So I don't know if she will ever see this email Juan sent her, until well after the fact.

Purchased house insurance in March of 2009. I changed from and canceled another company as the premiums were better from AllState. Evidently due to an apparent home inspection previously on May 21st of 2009 I recieved a cancelation notice stating that due to a broken window in the garage my homeowners insurance has been canceled.

This is a $20.00 single pane window which was to be replaced by a better type of window. They did not even ask about the window status. I have never nor did I ever even think to report it as a claim.

I contacted the company as to the cancellation and they were to contact me. They have not. I have used home owners insurace claims twice in 35 years and both claims were for less than $5000.00 I also have auto insurance with Allstate and will be cancelling this ASAP.

I paid my insurance every momth. My apartment got broken into Sep 2008. I'm am still waiting for them to settle the claim I put in. They even sent an authorization form to my cable company. If something is stolen from your home, how would a cable company help out in your claim. I'm just frustrated that the system works like this. They wouldn't have let me wait a year to pay them and still be covered.

In 2007 during the storm season here in CHICAGO WE filed a claim for damages to our basement and some of our personal items which included clothing items-furniture-exercise equipment and other valuable invalubles[family photos]our claim was denied.... Now here it is May 2009 and my wife and i come to find out that the claim we filed in 2007 is still open on the companys files[allstate insurance] and our premium has gone up and up and up due to an open claim that we filed in 2007 and it was denied. ALLSTATE INSURANCE SHOULD BE ASHAMED OF THEMSELVES

My Wife & I Still haven't gotten anything or any word from Allstate, Even Kentucky Dept. of Insurance hasn't gotten anything from them, i think the Dept. is sideing with Allstate. If anybody knows anything that came be done about this, I would like to know, this has gotten to be really Stressful on my Wife & I.

I received my homeowners renewal notice from Allstate in January 2009. My policy rates increased almost $600. Each year my rates would increase but never by such a large amount. So I notified Allstate that I would not be renewing this year. I used the internet to receive better quotes, and I have since received homeowners insurance from another insurance company for less than the allstate $600 increase. Now in May 2009, my Allstate agents keeps sending me this generic concern letter requesting payment. I called my agent several times regarding this matter, she will not return my calls. So I called the main number for allstate and was told my agent did not cancel the policy and that I would be responsible for the premium that is being sent to a collection agency unless I fax a copy of proof of insurance to them. I am going to do that today and hope this will be the end of my relationship with allstate.

ALLSTATE refused to honor its "ALLSTATE HOME REPAIR GUARANTEE" which purportedly covered Repairs Unlimited's activities. $44,179.00 in addition to still having to comply with the City of Denver's notice of construction violation(s).

September 09 Hurricane Ike came all the way to Ohio. My roof was severely damaged, food lost due to nine days without electricity, Three trees down on the house.

A year earlier I had a hail claim on my house. They paid about 3500 for that and 16,000 for the first, but only after I had to make a formal complaint with the Ohio Department of Insurance as they initially only wanted to pay out around 3000.00.

Today (April 23, 2009) I received a notice that they will not renew my policy due to the claims.

I suspect it might be that or they are redlining my home because of the number of foreclosures in my neighborhood.

allstate denied my claim for roof tile ice damage, when i insured my hoe, i was told that the roof was covered under the policy and they had inspected the house in and out before they wrote the policy. i've bee with allstate for over 20 years (house and auto).

Allstate cancelled my home owners insurance for no reason at all.I was never late on a payment,because my mortgage company makes the payments(citiMortgage).my agent never called me at all I called him 5 times,he sent me a bull---- letter to tell me where to go for new insurance,I called him and he never called me back.

I have no job and I have to pay over 1200.oo dollars more a year.No reason at all they cancelled me..

We recieved a letter yesterday from allstate saying they are not renewing our insurance on our home as we had 2 claims in 11 years, the first was a burst pipe they said it was our fault, lied about coming out to check damage, the pipe that burst was in our ceiling in basement, it damaged the wall , ceiling and carpet, had to contact insurance inspector and write letters, at first was denied, I kept records of all phone calls I made, and e-mails I sent, never was contacted by agent, our pipe burst in feb they finally realized I was not going to stop finally sent someone to check our damage, in august, we had done the repairs, but had pictures , 2 weeks later they did finally pay but grugingly, last year we had a 90 mph wind blow a 100 foot tree over, it crushed our fence and our gazebo, they paid us to clean up the tree and the repairs were paid for.

Now because of the tree coming down they question if someone pushed it over, WHAT?? we do not know what they think I do not have the incredible hulk as a spouse, and he was the only one here. Anyway we are going with a different company and glad to be away from them. If you are looking for insurance look else where, if this is your company find a new one this one will cancel for acts of God.

basement-flooded the ceiling, wall and ruined carpet, all were repaired our expense before they paid out.when the tree came down it crushed our fence, and gazebo they were not going to pay if the tree went in the neighbors yard so they told me to say it was all in our yard.

We recieved a letter yesterday from allstate saying they are not renewing our insurance on our home as we had 2 claims in 11 years, the first was a burst pipe they said it was our fault, lied about coming out to check damage, the pipe that burst was in our ceiling in basement, it damaged the wall , ceiling and carpet, had to contact insurance inspector and write letters, at first was denied, I kept records of all phone calls I made, and e-mails I sent, never was contacted by agent, our pipe burst in feb they finally realized I was not going to stop finally sent someone to check our damage, in august, we had done the repairs, but had pictures,

2 weeks later they did finally pay but grugingly, last year we had a 90 mph wind blow a 100 foot tree over, it crushed our fence and our gazebo, they paid us to clean up the tree and the repairs were paid for. Now because of the tree coming down they question if someone pushed it over, WHAT? we do not know what they think I do not have the incredible hulk as a spouse, and he was the only one here. Anyway we are going with a different company and glad to be away from them. If you are looking for insurance look else where, if this is your company find a new one this one will cancel for acts of God.

basement-flooded the ceiling, wall and ruined carpet, all were repaired our expense before they paid out

Allstate just sent us our new statement for homeowner's insurance and they want to increase it from 1170.00/year to 2000.00/year. They sited construction costs for replacement as the reason. Of course, I'm looking for a new insurance company right now. We had 1 claim last May, wind damage that took 1/2 of our barn roof and then the adjuster also gave us money to replace our home roof because of hail damage.

I purchased a house in Dec.07 and purchased house and flood insurance for 1 year at that time. My payment was late and my insurance was cancelled. I contacted the insurance company in January and told them that my policy had lapsed and needed to be re-instated. At that time the insurance agent asked me if I wanted to pay for 1 year of insurance or by the month and I chose by the month. They quoted me the monthly cost and I gave them my credit card number to make the first payment. I've paid each month since then with no problem.

On March 8th, 2009 the city of Findlay flooded because of heavy rains. I called to file a claim on my flood insurance and found out a week later that my insurance agent screwed up and only renewed my house insurance. Now I have a house that flooded and don't have the money needed to make it liveable again.

Heavy rain caused the river to overflow and my house flooded.

I was camping on 7-11-08 when I got a call my house was on fire.Possable arson.Allstate did inspection on 7-13-08.They contaminated sight so bad Tn.fire marshal refused to inspect.After closing arson investigation Alstate has came up with diffrent excuses not to pay.Such as having dog's,running bussiness from home.In the mean time i'm living with friends.

Still paing mortuage payment.Very stressed.

We had a legitimate claim. They made us deal with an attorney who insinuated that we were out to commit insurance fraud. He employed every manipulative, coercive, bullying tactic that he could. Prior to this our agent attempted to subvert our claim by telling me that we had done all that was required to file our claim while in fact all along time was running out while he withheld information about how Allstate expected us to file in order for the claim not to run past its time-limit to file. He simply sat on the information I gave him aparantly waiting until he could say " oh, too bad you didn't "file" on time."

They failed to provide any direction including forms to fill out, finally I submitted a hand written list of stolen items. When they recieved it they insisted that I re-do the entire process in a different format. I had to fly back to the U.S. to assess the loss and they didn't even return my calls for the entire month that I was there just to make myself available to them in person. In the end they dragged out the process for two years and paid us less than half our losses. Besides the financial hardship that it caused us at an allready difficult time (the theft happened just after we had made an international job change that required us to move overseas)

The constant beligerant oppositional communication, the insinuation to our friends,neighbors and poeple that we did business with that we were suspected of insurance fraud (Allstate had NO reason to think this) the sense of injustice, the pain of the claim process feeling more like a violation and a crime than the original crime even did, the seemingly never ending battle just just to try to get what we paid for in good faith for all those years, the marital stress as a result of it not resolving, all caused me to feel a daily physical malaise, stomach upset, anxiety and panic-like symtoms which were chronic for more than the two years. I literally feel like those two years came right off of my expected life span.

on Jan. 27 2009, They still say our Policy did not cover the Damages because of the Ice Storm that came through Kentucky ,which the President declared a State of Emergency for the State of Kentucky. & Allstate has yet to Prove to us that the Policy was not suppose to cover the Damage.

First off the tree limbs that fell on our house was From Wind, before all the Ice built up on the tree limbs.
Ashley Burke(Allstate's Adjuster)ruled it Ice Weight ,When She was not here in Kentucky , to know what happened.
Besides that,there is nothing in the Policy that says they are not suppose to Cover the Damages,....Loses they cover..Fire & Lightning , WINDSTORM & HAIL.....

Losses They Do not cover..Water From Bursted water pipe & Drain backup,ETC....Weather Conditions..(What is Windstorm,Hail,&Lightning? are they not Weather condition also?

We own about 20 rental houses in Chicao Suburbs and I have all state Insurrance since 1997 and had almost no claims all this time except last spring one of our rental properties caught fire almost 20 miles from our home caught fire and I was awaken by the fire dept to come to scene. It was March 11 and we had an attorney helping us and they kept making excuse that we didn't come diposition or this that and now almost a year later I had to contact the state of Illinois to get an answer that they are refusing to pay claim because they suspect we burned the house. They have been investigating and they never told us even though we have 30 policies with them. It would be absured for me to burn my worse property where I owe more then the property and it is 20 miles from my home.

It has taken them a year to tell us they won't pay claim and it has been quite a bit of hardship because we couldn't rent the property or fix it because it required too much money to fix it. I would never ever wish upon even my enemies to ever do any business with all state. This company is the biggest fraud there is.

We had a Standard Homeowners Policy , which they say did not cover Damage from A tree Limb Falling on our House , causing Major Damage to roof , & Rafters ,True there was A Ice Storm came through ,But also wind , And Wind Brought the tree Limb down first ,even if the Policy wasn't suppose to cover Ice Storm . But We have had other Insurance Persons to look at the Policy,and they couldn't see why an Ice Storm would not be covered.Even a Lawyer Friend of ours looked at the policy and he didn't see why our damage wasn't covered.

Loses We Cover, --#1 Fire & Lightning >#2 Windstorm & Hail > then on the other hand , Loses We Do Not Cover,--Weather Conditions , Isn't (Windstorm & Hail) consider Weather Conditions , They are trying to Pick and Choose want they want to cover ,No wonder Allstate is listed as the Worst Insurance Company.

We have really been under a lot of stress ,My wife has went to the Doctor for Blood work & her TSH Readings had changed because of Stress , So Both of us Has been Damaged Physically & Economicly.--Help,Help

I have had Allstate Homeowners insurance for over 40 years with out a claim through 5 homes. Been in my current home for 8 years, again with Allstate.

I get a phone call that they want to send an inspector to view my home. OK.

I get a postcard saying my insurance may be cancelled unless I contact Allstate immediately.

I call and they say three things.

1. My propane tank is not within a 30 foot range of the home.

2. I have dead branches hanging over the home.

3. I do not meet the 100 foot clearance of trees.

I called the county and they said 10 feet is all that is required for a propane tank.

The dead tree limbs were a Black Oak tree that looses its leaves in the winter!

The required 100 foot clearance is not applicable to our community with many 100 foot Douglas Fir trees.

When I pointed out all these error the state office of Allstate said I was in error and to fix the problems or they would not renew my policy.

I talked to California Fire Department and the person I talked to said I was the third caller this morning with the same question re the propane tank. He reiterated the California law about placement of a propane tank 10 feet or more from the residence or property line.

It is reasonable to expect Allstate will drop me because they are intimidating property owners who live in wooded areas.

I called three other insurance companies and they were willing to take me for about $100 less that I was paying Allstate. I selected State Farm. Good by Allstate.

Universal Insurance insured my home(I went through Allstate)after 90 days universal decided to cancel my policy due to an old circuit Breaker unit and shody exterior paint. Janet at Allstate told me if I rectify the issues they will reinstate me. I spent 750.00 for a new circuit breaker box and painted the entire house (another 200.00 + two weekends of labor)and Universal had no intention of reinstateing my policy, I recieved my check for the unused premiums and that was it. I couldnt afford this but did it to keep insurance, when I was cancelled the replacement insurance company told me those two things didnt matter.

Upon making a recent mortgage payment and reviewing the statement, there was a $161.82 increase to our payment. As we have a fixed note, the increase was due to a change in escrows. I contacted my mortgage company, CitiMortgage, immediately and they proceeded to inform me that it was due to an increase to our hazard policy. Now my hazard policy renewed back in October of 2008 and was not due for renewal until October of 2009.

I immediately contacted W. Foley Insurance and spoke with several people, all evading my questions of the increase and finally the 7th person I spoke with was the manager Leslie. She informed me that that increase was from 2007, whereas the State of Florida add fees to all policies. This change was reflective on my 2008 policy. She could not respond as to why I was triple billed bor these fees. I again contacted my mortgage company and spoke with Yolanda in the insurance dept. who proceeded to inform me that they had attempted back in 2008, prior to the renew of my policy, to obtain a new policy with effective dates, but to no avail. She said they did written notices, certified notices, faxes and e-mails and again to no avail. They finally went online and obtained it recently. She stated that she feels that AllState had tripled billed me as well the same fees.

I still have not received a current copy of the policy either. I know this is because they do not want me to see the triple charges. They did not expect me to call them on the carpet about it. Due to this increase, I am unable to maintain my current payment. There is only one income in our home due to my wife being laid off.

We had a Tree Limb Fall on our Bedroom And Pushed part of one of the Rafters through the Roof, Plus numerous Smaller limbs on the rest of the House and Smaller Damages. Allstate Adjuster is saying we are not covered. HELP!

We have been Devastated Both Economicly & Physically

Allstate will not cover Ice Storm Damage to our Home, they say our Standard Policy does not cover the Damages, We had a Big tree Limb fall on our House and almost came through the Roof, damaging the Rafters and pulled some walls apart, and we also was without Electricity & Heat and we had to go out of Madisonville to get Gasoline and Supplies, stay some with relatives. We also have a lot of Debris that will have to be gotten Rid of.

We have lot of extra Expenses that have acurred, and there has been a lot of stress. Help!

I have been in my home for over 3 years and i have had 2 fires. The first one was a grease fire. My grand-daughter was not used to the stove top and turned on the one with the grease in the skellet. The next fire was a chimmey fire. You may not know clinton has home with foundation problems and I had my chimmey cleaned out and it was not told there was a crack in the wall between the mantel and the wall. Fire was burning from the inside out. The fireman said i would not have been able to tell if there was a crack in the wall until after a fire was made build in the fireplace.

Well allstate dropped me like a hot potato without a care. Now I have the minimum amount of coverage with a contractor company of Nationwide. I have no theft coverage for my home. I just pray that my alarm system can protect my hime until someone will review my report and see that these fires where beyond my control and give me a second chance to have the proper coverage I deserve.

Allstate has really disappointed me and I hope someday I can find a company that will not judge a customer by the amount of disasters they have and review each case carefully before dropping them. I hope that i can have again all of my insurance coverages in one place again. Thank for listening.

garage burnt down back in sep of 2008, we lost a lot of tools and antiques and equipment that was stored on my farm at mirror lake farm. called the insurance company, reported the claim which it has been 6 months. Then in Nov of 2008 recieved letter saying calim would be taken care on in 60 days. In Dec 2008 recieved another letter saying they would take care of the calim in 180 days. Then in Jan 2009 recieved another letter saying they would take care of it in another 180 days.

They have never sent an adjuster out to idemize the loss and we are getting tired of no action being done on this claim. If my claim is not taken care of in the near future we are going to the bar association and file a claim against Allstate and we will file a claim in court naming as many people as necessary to get this matter taken care of. I am getting tired of people passing the buck and no on cares about my loss. I need action done on my claim by someone. I will get action.

I got one letter from P. Jones and two letters from M. McCray and no action.

I was an Allstate client for 25yrs.,upon completing my mortgage loan I contacted my agent and asked him to bill me directly and not my ex-mortgage carrier.I received the bill and suffered sticker price shock I had no claims against All State in 25yrs. I pursued competitive bids and found all 3 were less and was pleased to find there was a saving's of over $1000. on home and auto ins. I contacted my agent and told him of my findings I stated I had seen an All State commercial were they reimbursed you for being accident free. He stated I did not qualify for that program and the reason I had higher cost's was because I had special insurance, I asked him for more specifics because I was quoted on the exact same coverage as I had and he told me to go with someone else and maybe I did not pay my bill on time(false). I was totally shocked after 25yrs and want to report this fraudulent behavior. i have since become a member of Farmer's insurance.

I wonder how many dollars I was cheated out of for gauging and I want Allstate to know of there services.

Started coverage on home, two cars in July 2006. No claims until January 2009 and filed claim on roof damage from wind and hail. Several homes in subdivision had damage and thier insurance paid for replacement of complete roof quickly. December 2008 adjuster from Allstate denied claim. Later discovered next door neighbor had similar wind and hail damage and their insurance Georgia Farm Bureau paid for complete roof in three days.

I request Allsate to have different adjuster check roof. This time they said rear half of roof suffered hail and wind damage and front half of roof had wind damage. Allstate will only pay to have rear half of froof replaced and front half of roof reglued down. I have requested supervisor to come out and recheck roof. Having half of roof is nitpicking. Will look bad (house ten years old) and subdivision is covenant protected and will not allow half of roof to be replaced. Said esthetics will look bad and color will not match. Waiting for supervisor to have final say. I will advise when that is done.

As far as I am concerned this claim is still open because I filed a claim I had a water line on my water heater burst causing the underbelly of my mobile home to fill with water before the underbelly split and I ended up with several inches of water pooled under my home. Not only wouldn't All State send an adjuster out to check out the damage they didn't even have a single sheet of paper in my file and I have been with them since 1999 and The cooperate office wouldn't send me a copy of my policy either.

all I received from anyone I requested a copy of my policy from was the decloration of coverage which had my make of mobile home wrong the id number wrong and the year wrong I don't have a copy of my policy because they never sent me one. but the decloration of coverage says it is all peril standard mobile home policy replacement cost so if anyone can let me know if this should have been covered it will be more than anyone working for All-State has done for me... You can bet I wont be renewing with them this year.

The damage I have suffered is my floors have swelled and started coming apart I had just put new laminate flooring in the kitchen 2 years ago my bathtub has begun to sink the insulation under my home is ruined and I will probably have to deal with mold issues when the weather turns warm again.

my insurance rates were raised because of my score which is 720 (good) my fico score only shows what I owe and not that I am paying on loans for homes I own. I own 4 houses and don;t have a fico score od enough to get a good insurance rate. My increase was almost doubled frim the previous year. This is NOT FAIR!!!!!!

I used one of ther mailers to request an insurance quote to compare against my current insurance costs. when i had finished giving the agen the information he asked me do you want me to send this out and i said yes expecting to receive a quote for insurance in case my current provider couldn't match. instead they sent me a bill as i discovered later by going through my garbage as i had discarded it as junk mail. my current provider did match and exceed their quote with far more reduced costs.

when first one of their telemarketers called, i explained to them what was going on and requested they stop sending my mail as i was not interested. the harrasment continued via mail. i called them and explained the situation to one of their agents and she said she would pass it along. still i continue to receive bills. my concern is that they will try to sully my spotless credit rating and its causing me uneccesary stress. my job is already stressful enough.

We came home the other evening to find our downstaairs flooded and water pouring in through the window well. the well bib, attached to the side of the house and coming out of the ceiling had frozen and ruptured, we think. So, the window well filled up and it came through the windows. this bib was encased in a heated, insulated wooden box, attached to the side of the house.

Our policy specifically states that it covers structures attached to the house with the exception of windbreaks, fences and lean-to's. interestingly enough this happened to us 8 years ago, it was covered without question. When i brought this up to the agent, he repliedwell they shouldn't have paid for it. 32 years paying our premiums.

carpet damage, drywall damage, plumber had to come out and close off pipe in ceiling, carpet people have been out every day drying us out. Most problematic is not water for livestock in the barn so my 71 year old husband and I am bucketing it to them.

I really don't know where to start. I was in a divorce a year ago and have to sell the house as part of settlement. On refinancing through my bank in order to consolidate all debt in order to sell house I became aware of something new. The Allstate Insurance agency I had the house insured with assured me in a prior policy renewal that I was no longer in a flood zone and only needed to be covered for water damage? During this same time the City of Springdale annexed the area in which my property lays, previously in the county.

Now, everything was through at the bank for refinancing except for the insurance. I was informed by the insurer that I needed to have a Elevation Certification done now, after having been here for 15 years? This I suspect was from being located now in the City Limit of Springdale of which I was previously ignored by. I've had the elevation survey done at a cost of $500 having this done I went to my car insurer to see about getting coverage with Shelter Insurance. The house coverage with them was half of what Allstate wanted, even after I asked Allstate to lower the coverage to be more affordable for me.

The Shelter agent contacted the the insurance company that sets the rates for FEMA to other insurers to use, this put me in needing to purchase $2600 on top of the home coverage I need. Simply put, I cannot afford to pay out over $3000 a year in home-owners on a property that I will not be able to sell due to FEMA zoning. Flood coverage was put to me as a minor detail when I purchased the property but now they insist that I was always in this zone and do not understand why my previous coverage was just a fraction of what is required now???

That statement being relayed to me by a City of Springdale engineer who called the Insurance Company used for referrals by FEMA. Being under the median income bracket that a single working person like myself has has to live with these days I find myself in a position thanks to Flood Zoning that will cause me to be unable to do any finance at the bank and I will eventually have to give up the house with allot of debt hanging over me. I do not understand the over priced flood insurance, if a house is lost to fire, flood or tornado what difference? It al costs the same. I'm getting screwed here plain and simple!

After 9 yrs. received a letter from Allstate informing us that they will no longer be honoring our home insurance policy. no explanation.

I got a letter from Allstate stating that my homeowner's insurance will be cancelled when the policy expires on 12/17/08. The reason was that I live too close to the water. I was with Allstate for 8 years. They said they were cancelling anyone who was not with them for 10 years or more. I have been in my house since 1976. Never got flooded and have been through a couple of hurricanes. They said it's not the water but it is the wind. When its windy, it's windy allover!

Had our house, two cars under one plan. our rates would go up every year with no claim or tickets. ALL Clean and we had our rates go up?

I called the agent and said why is our rates so high? Gee nothing on our cars clean records. when it got to our house they added an extra 300sq feet on our house I said that is wrong fix it and adjust the bill for the past number of months. He says call him back in a few months to see if there is a specail which would reduce the package. I said what? I am telling you to fix it, and he would never acknowlegde my complaint but kept telling me to call him in 6 months?

So I hung up with him and called liberty Insurance that eveing and transferd to them and signed papers the next morning. Guess what, for the same coverage we went down about $800-$900 dollars a year over night. And to this day all state never gave back any money which they falsely collected from me for who knows how long. All state had the footage on their computer system not the bill, so that was never seen on the bill the whole time.

I filed a homeowners insurance claim with Allstate and they did not pay. The claims adjuster is Jake. A storm struck my house and caused an electrical short in the UV Purifier light. Other effected areas were: flourescent lights in the pantry, the refrigerator, deep freeze, home security and electrician fixed a short in the ground wire and replaced the flourescent lights.

The UV light cost $1,620.00. The electrician bill was $91.00. The Harvey Drilling tech that took the shorted UV light out cost $100.00 With a deductible of $1,000.00. Allstate owes me $811.20. The claims adjuster says it is a product defect. He does not know this because the UV part was removed from the house because of the short before he evaluated. Allstate is charged with failure to comply with written homeowners deluxe insurance. I want my money and so does Harvey Drilling.

Consequences were: I am a 70 year old woman and had to haul drinking water for over a month because no one responded. Finally had to pay for the damages to my home myself or I would still be hauling water. The economic damages are: (a) fixed income - had to borrow money to pay for the damages. (b) pay high price for homeowners deluxe insurance and it is a ripoff. (c). I would still be hauling water if I had not borrowed money to pay.

After IKE storm, I called Allstate for claim; they took over a month to call me back, then they asked me to just get the estimate we will take care of that. I got the estimate and faxed, and emailed them, and then (after a month and a half) we were told theyll send the adjuster. I asked why you would ask us to get an estimate and waste some more time. After over 2 months with debris in my backyard, broken fence no privacy, my next door neighbor complaining about fence, and privacy everyday.

I dont have a job for the past 11 months. I had to get the wood fence installed, using some old and some new pieces they think these are fine and we do not need to get all new fences.

They have been dragging my case for the past two months. Our estimate was about $19,600.00 for everything that needed to be done; Allstate wants to give me $1051.01 only. I think it is totally unfair, I can understand between estimate & adjuster value of cost can be different but not that much.

I think Allstate Insurance is full of it, their ad asks us if we are in good hands, after all that I dont think so. Please save yourself some time and a lot of money and do not get any kind of insurance from Allstate.

This company Allstate name should be ALLSNAKE. Do not get insurance from them. They are non prefessinal people.
They claim We are in good hand. I think

CUSTOMER ARE IN TRASH HAND when you get insurance from allstate.

After IKE storm, I called Allstate for claim; they took over a month to call me back, then they asked me to just get the estimate we will take care of that. I got the estimate and faxed, and emailed them, and then (after a month and a half) we were told theyll send the adjuster. I asked why you would ask us to get an estimate and waste some more time. After over 2 months with debris in my backyard, broken fence no privacy, my next door neighbor complaining about fence, and privacy everyday.

I dont have a job for the past 11 months. I had to get the wood fence installed, using some old and some new pieces they think these are fine and we do not need to get all new fences. They have been dragging my case for the past two months. Our estimate was about $19,600.00 for everything that needed to be done; Allstate wants to give me $1051.01 only. I think it is totally unfair, I can understand between estimate & adjuster value of cost can be different but not that much.

Please save yourself some time and a lot of money and do not get any kind of insurance from Allstate. This company Allstate name should be ALLSNAKE. They are non prefessinal people. They claim We are in good hand. I think CUSTOMER ARE IN TRASH HAND when you get insurance from allstate.

After IKE storm, I called Allstate for claim; they took over a month to call me back, then they asked me to just get the estimate we will take care of that. I got the estimate and faxed, and emailed them, and then (after a month and a half) we were told theyll send the adjuster. I asked why you would ask us to get an estimate and waste some more time.

After over 2 months with debris in my backyard, broken fence no privacy, my next door neighbor complaining about fence, and privacy everyday. I dont have a job for the past 11 months. I had to get the wood fence installed, using some old and some new pieces they think these are fine and we do not need to get all new fences. They have been dragging my case for the past two months.

Our estimate was about $19,600.00 for everything that needed to be done; Allstate wants to give me $1051.01 only. I think it is totally unfair, I can understand between estimate & adjuster value of cost can be different but not that much. I think Allstate Insurance is full of it, their ad asks us if we are in good hands, after all that I dont think so. Please save yourself some time and a lot of money and do not get any kind of insurance from Allstate.

no claim ever against allstate or other HO ins. 8 yrs.

i can not afford nearly $1300 a year.
especially since i've never done anything to warrant such prices.

my mortgage payment will go thru the roof. along with passed levys i may not be able to make my note!

After the high wind storm in early September 08 I had roof damage and called my Allstate claims adjuster. They took down the information and after 2 adjusters called me one come out and the first thing out of his mought was your not getting a complete roof out of this! Hello. After about a week he was dropped and sent out a est of 12 squares replacment, my roof is 44 squares,I already got estimates, well its nov now and they still havent setteled and I dont think they will they are very slow on returning my calls and they keep dragging this out, I am going to look for another Insurance company and will tell everyone to NEVER BE INSURED WITH ALLSTATE. They dont want to be fair and replace what you think your insured for,They have several adjusters that will double talk and basically try and save Allstate money by not replacing your items, DONT BUY WITH ALLSTATE!

Celing has now leaks from the rain internal damage and now I know mold will probably start growing, thanks Allstate Im in Good hands

I had to file a claim in order to replace it, and a police report was made. However, They just decided to spike up my rate an extra 40% increase on my homeowners insurance, and didn't notify me or my morgage company who holds my escroll account. I found out they wouldn't except it because they are asking an extra $500.00, when I was paying about $565.00 a year. Anyway, I believe that this is fraud over a claim that happened 3 years ago and now they decide to all of a sudden increase my rate, deny my payment from my morgage company and now I owe a late fee, etc. etc. The claim was only a little of $300.00 and now I'm going to be more than paying for 5 times the jewelry cost!!!!! This is not right and someone has to put a stop to it.

I am very angry, and frustrated. I will be paying and extra 1500.00 before they say my rate will go down. I also found out that there have been others that this happened to in my area. These are bad times, and people are getting more and more desperate for money. However, large companies such as Allstate has sunk to a all time low by doing this to their most reliable customers. I can only afford so much, much more is causing stress, fatigue, anger, anxiety, and sleeplessness.

My houses roof has been damaged from several severe wind storms and hails that we had last winter and early spring. Initially, I found one shingle on my driveway in April 2008, so I contacted my Allstate local agent, Mr. Michael F who recommended and referred me to one of the handyman whom he knows. He told me that only few shingles falling off, it would not be worth to file an official claim or pay the deductible. However, multiple more shingles kept falling off and clearly visible from below, so I decided to file an official claim.

So far, Allstate had sent three of their adjusters to my house on three different occasions because the first one did not have a ladder to climb up the roof (my roof is quite steep and high). The second one came with his helper and a ladder. However, he did not visualize my roof himself. After a quick (~5-10 minutes on the roof) examine by his helper, the adjuster dismissively told me that my roof had only 6 shingles falling off and each shingle costs $25, so it would not worth it to file an official claim. He never gave me any estimate. No pictures or photo were taken by his helper. The adjuster never saw the damage evidence himself but based on the second hand information from his helper. I couldnt recall the names of the first two adjusters since none of them willing to provide me an estimate.

I was quite upset and really do not trust what I heard from him, so I contacted Allstate and requested for another adjuster to come to my house and provide me an official estimate. Allstate had sent Mr. Jarret W, the third Allstates adjuster to my house. Again, Mr. W never climbed up to examine my roof himself. He used his helper whom claimed to be a roofer, to go up, examine and take some pictures of my roof. All Allstate adjusters did not go up on my roof to visualize the damage themselves. All of their assessment are based on some pictures taken by their helper/roofer who took only limited area of my roof and did some sampling examine of my roof to access the degree of wear and tear and average it out for the entire roof. This is a reason Ive been told that they could not take all photo the entire roof since its Allstate manual of operation that could not allow his helper to take too many pictures. Mr. W has sent me his estimate and authorized an Allstate check in the amount of $502.87 sent to me.

Because of the concerns and mistrusts that Ive experienced with Allstate adjusters, I decided to get my own assessment of my roof from two independent roof repair experts contractors; one from Bear Roofing company and the other one from Continental Roofing Companay, LLC to come to my house and examine my roof. They both are independent roof repair experts with good reputations and references. Each of them came to do an assessment of the damage of my roof separately and independently. Each of them climbed up the roof and thoroughly examined my whole roof almost half an hour on the two different occasions that I witnessed how my roof assessment had been done. Both of them separately gave me their independent assessments of my roof.

I expressed my dissatisfaction of the claim handling. On or about September 6, 2008 and for the third appointment Allstate sent out Jarret W. Again, Mr. W never climbed up to examine my roof himself. Instead, he had someone who claimed to be a roofer up on the roof to inspect and take pictures. Mr. W tried to explain Allstates position based on limited roof areas they saw and the limited number of pictures they secured. They did not adequately examine the entire hip roof which comprises of multiple slopes. Thereafter Mr. W sent me his estimate and an Allstate $502.87 check. The estimate gives no distinction of the damaged area other than 200 sq ft.

Contrary to Allstates view I have received two separate written reports and estimates from Bear Roofing (options A $7,400 and option B $9,100) and Continental Roofing $8,840). They took time to examine and inspect with exceptional thoroughness. They both independently and clearly identify the extensive damages to the entire roof from wind and hail that inevitably requires replacement of the entire roof.

Since the policy that I bought from Allstate clearly spell out the replacement cost which is their selling point that I initially bought the policy. However, after the first and only claim that I filed, our experience with Allstate is horrible. Finally, I have to get some legal advice to help me set up an appraisal process with an umpire to get my roof fix.
This whole appeal process is spelled out in the small unreadable print in their policy booklet. However, Allstate is reluctant and unwilling to provide me. So far, I am still in dispute with Allstate and need to get some legal advice to help me set up an appraisal process with an umpire.

I would like to file an official complaint and dispute with Allstate home insurance to our insurance commissioner. It is obvious to me that my claim has been dragging for so long since the damage occurred (back in last winter early spring 2008). Im afraid that the longer this issue drags on, the higher possibility that it could further create potential damage from another wind storm, and subsequently more severe damage, such as roof leakage, water damage, molding, etc.

We had a major hail storm come through our town and it damaged our siding and roof. The adjuster finally admitted that it did have hail damage...but only to one side of the house and only to some of the roof, not the shingles. They refused to pay to have the shingles replaced even though they are 25 year shingles and have only been there for 13 years. But then it gets even better.

Our licensed contractor who has been in the roofing business for 20+ years submitted his cost and the materials to the insurance agency. Allstate is only willing to pay for one third of the actual cost it will take to repair what the adjuster already agreed to as damaged! I'm not sure what store they are estimating their costs from (I asked and they wouldn't tell me), but they said our only recourse is to arbitrate. The Allstate adjuster's letter states, We will work with you to resolve your claim regardless of where you purchase your materials and services. If you find the cost of repairs or replacement is more than reflected in this estimate, please contact your claim adjuster at the number listed above.

I called to try to work with them regarding the matter and they told me (in not so nice terms) that my only choice is to arbitrate. So much for good hands.

This should be illegal. I have had Allstate insurance for twenty years and currently have seven different policies with them. This is the very first time (through four homes we have owned) that we have ever had a homeowner's claim. Also, eight neighbors on the same street had their siding AND ROOFS replaced with no hassle. No, they did not have Allstate. What can be done? Last I checked stealing was illegal, and that is exactly what they are doing.

$18,000.00 actual damage. Allstate paid out on $3,000.

We had a house fire in May of 2008 and it is now November of 08 and we are still living in a trailer in our driveway thanks to All State's greed and refusal to settle fairly with us so that we can move on with our lives. We own a multi family house and we had a 5 year old tenant set a fire in our 3rd floor apartment. The damage was extensive on the 3rd floor with significant water damage on the second floor. All State gave our claim to an adjuster from Connecticut in order to expedite our claim because the Rhode Island adjuster was so backed up.

For the first 7 weeks that this specially assigned adjuster had my case he went on vacation 3 different times for a week at a time. My public adjuster has letters from him apologizing for it taking him so long to get back to him because he was on vacation. My public adjuster has put in a claim, with an detailed estimate, and they have come back with an offer of less than half of what we will really need to fix our house. We told them we disagreed and filed for arbitration, and they are refusing to go to arbitration! It is specifically written into every policy (or should be) that every client has the right to request arbitration if they can't come to a resolution. They have tried to claim that their policy is to only go to arbitration over costs and not over damages. Meaning....if they claim only one wall needs to be replaced, and we think all four walls need to be replaced, they won't discuss the difference between one and four walls, only the actual cost of the one wall they are willing to cover. That is certainly not what arbitration is designed for.

We have now hired an attorney with the assistance of our public adjuster and he is filing in court to get a judge's order to force them to go to arbitration. Maybe if they didn't have anything to hide (such as the fact that they know they haven't made me a fair offer) they wouldn't be refusing to go to arbitration. It seems that all but the consumers know what a disgusting insurance company All State really is. The night of my fire as I was filling out forms for the Red Cross, one of the volunteers asked me who my insurance company was. When I told her All State she looked at me with sympathy and said oh, I am so sorry for you. Those were prophetic words because I am so sorry I ever signed up for this sham they call insurance coverage.

I obtained Allstate Homeowners insurance upon purchase of my home 5 years ago. This past February I was advised that my policy had been cancelled the previous December for non-payment. I called Allstate to ask why I had not been advised of this cancellation. They of course advised me that a letter was sent to me and there was nothing they could do about it. Because my insurance had lapsed for more than 3 months I was required to obtain insurance from another company at $397/mo. In Sept I started looking for another policy and was surprised when Allstate said that they would insure me.

Last week my agent called me to advise that my policy was going to cancel on Dec 3 because my property was unsafe. There was no fence surrounding my ABOVEGROUND pool. The only way to get into my pool is to either put a ladder up the the pool or open the patio gate. I called Allstate to advise that they had insured me with knowledge of this since I bought my home and it had been insured by other companies by previous owners without a fence. It was my understanding that an above ground pool did not need a fence as long as there was a gate leading to the deck and there were no outside ladders leading to the pool.

To make matters worse today 11/1/08 I received a NOTICE OF OUTSTANDING BALANCE advising that my policy has been terminated and I should send my payment of $42.23. I just received my monthly billing statement last week for the month of November. This was the first knowledge that my policy was being cancelled a month before my original cancellation notice. So instead of having a month to find another policy, I have to act ASAP as I have no coverage on my home.

Because of this company I was forced to pay $397/month ($65/month with Allstate) for a high risk policy because they cancelled my policy without notifying me. Then they give me a notice that I have 30 days to put a fence up or my policy will be cancelled. Despite this notice, they have cancelled my policy again WITHOUT NOTICE and leave me without coverage.

This company should be shut down. If something were to happen to my home or someone were to get injured until I find coverage I will lose everything I have. They should not be allowed to treat hard working people like this and need to be stopped or at least fined a hefty penalty to stop their actions.

Filed a claim on my home for wind damage on my side of house. It took one month and two weeks for an adjuster to come to my house...after about 8 calls following my damage. Finally they come and say i have to match the siding best I can. My old siding is over 25 years and there is not way I will be able to find a match, which means my house is going to look odd with two different colors. I will still call and complain about this.

They put three different adjusters on my file and transferred the first two which left me waiting weeks at a time for someone to get back with me. Will definitely drop this Insurance company like a hot cake once this is done. Our money goes into the hands of allstate...but we are definitely not in good hands. Very disappointed in the customer service and lacking knowledge of the chain of command and follow up procedures for such a large company...such a shame.

They said that they could only replace the side and board that up. Which means the rest of my siding will be an off color than the new part. Found out the rest of my house has no board over the insulation as well.

A few years ago we had a horrible wind storm with hurricane force winds in Cleveland, Ohio.(Which is rare) The gutters on my garage curled and were ripped off. My garage was hit so bad by the wind that it was leaning to one side. I called my Allstate agent and the company had an adjuster call me. The adjuster came out and said that it would be covered by my policy which I had for 20 years with Allsate.

Then I got a letter from Allstate telling me that they WOULD NOT COVER THE DAMAGE since my garage did not have wind braces in it (which are not city code) I called numerous times for months and no one would call me back. I was furious since when I chose Allstate, they came and took pictures of my property (garage included) and took my money for 20 years. If they would not cover the garage without wind braces why did they include it in my policy? My policy was broken down to home and other free standing structures.

The sad part is that the estimate to correct my garage was only $750.00 and they refused to pay it - after all the money I paid them for 20 years! We tried to take them to small claims court but by the time we got a court date the city (which has policies with Allstate) said that we were out of time due to the statute of limitations.

I requested all my money back for the past 20 years of paying for the free standing structures and they still would not call me back. Why would they put that phrase in my policy and then back out when I had a claim? I think everyone needs to have a class action suit against this rip-off of a company. None of us were in good hands! They should be put out of business (and in jail)for ripping people off of their hard earned money. Allstate is a huge rip-off. They should not be allowed to be in business.

I had to work extra shifts to save the money to fix my garage since I could not park a car in it. I lost part of my property due to their idiot and money hungry policies.

My neighborhood was pelted with severe Hailstorms. Houses on all sides of me were covered by their insurance for roof damage. I have divots in my shingles, and I've had 2 roofers meet with Allstate to show them the Hail damage. Allstate refuses to pay. I've paid premiums to Allstate for 20+ years. I thought I was in good hands. They were rude and offensive to me.

I have a roof that is 10 years old and should have lated 25 years. I have to eat the damange since allstate refuses to pay. Other carriers for my neighbors correctly acknowldege the damages and they were covered accordingly.

On Oct 9 2008 I went to the property that I own and noticed the heat pump had been stolen I imediatley called the police and then I filed a claim with my Insurance (Allstate) The next morning I got a call from the claims agent about the theft.

He asked if the house had been live in over the past 90 days I said no. He did not ask if we used the house for our own recreation. Which we do, so by me saying no that the house has not been occupied over the past 90 days they told me they will not pay the claim. I explained to my agent that we use the house on some weekends and when family is up they use it also. But I thought he was asking me if it had been occupied consecutively for the past 90 days.

We had to pay $2000.00 for a replacement heat pump. We have people moving into the house on 10/15/08 and to this date we still have not had a complete answer as to why they are denying the claim other than they said the house was not occupied consecutively for 90 days? I feel they are using this 90 days of occupancy as a loop hole to get out of paying the claim

After being insured for over 35 years by Allstate Home Owner Insurance I just received a notice that Allstate will not renew my policy because they conducted an external inspection of my property and they state it is located in a wildfire hazard area. I live in a housing tract that has complete fire protection as there is a State (CDF) as well as a local fire station approximately four miles away and two fire hydrants within one half block of my structure. They Allstate claim all trees within 100 feet of my structure (on all four sides of my house) would have to be removed to qualify for renewal(not all trees in question are even on my property)so consequently (by their new standards) I can not be considered for Allstate fire insurance in the future. I have always paid my premiums on time over these past many years and have had only one small wind damage claim, about 12 years ago. There have been no fire loss of homes in this tract since I moved in back in 1972...they Allstate have no past record of this area that would allow them to cancel my policy.

I feel all their advertisements are false if they are able to get away with this type customer relation, especially after sending me a letter (when I renewed again in September) that they are ready to help and protect my family and financial security. My present policy will be in effect until September of 2009 and I will not be able to renew it.

My house is sinking. Allstate denied my claim twice. I pay my insurance premiums. In the year 2000 I noticed one side of my house as sinking and the walls are leaning out as if they are going to fall. The concrete in the driveway also got wet when it rained even though it didn't rain inside the carport.

I contacted ALLSTATE and was told that they will not cover my house as it is just clay shrinkage, and not a sinkhole. (I have never heard of clay shrinkage before in my life). The damage is the same as having a sink hole by the way, and it also affected my roof as it started splitting at the same time. That makes sense as the house is pulling to the south. Well, I figured there was nothing I could do about it as I am just regular working person. I certainly can't fix that kind of problem, and funny, none of my neighbors ever had that kind of problem. In the year 2008 I noticed that my 'clay shrinkage' was becoming worse and the roof getting bad. During this time my neighbor 2 doors down from me had the same exact problem and his was deemed a sinkhole so his insurance paid for everything. There I was, with my house falling apart.

I consulted a lawyer who suggested I open a new case with Allstate so I did. I had to wait all summer for the engineers to get back to my insurance company about my house. They once again told the agent that it was clay shrinkage and was normal. No, it is not normal for the south side of my house to be getting ready to fall. None of my other neighbors houses are doing that, so how can it be normal? The roof is also worse and it rains inside, I am so afraid the ceilings are going to fall down. I bought the house in 1992. I have lived in homes for 46 years and never heard of clay shrinkage neither has ANYONE else I know, anyone!!! My daughter and I now live with someone else and it is not a good situation at all. We used to have a life and now we live in two rooms as we are not allowed to use electricity etc...there we are. (It like being a zombie.) We are absolutely heartbroken. I can't sell my house in the condition it is in, nobody wants it, I just want my house fixed, if I can't get it fixed, I will have to foreclose.

I will NEVER EVER buy another house in Florida, that I know. Real Estate agents really need to warn people about this 'clay shrinkage'. Florida is not like other states, there are too many water tables etc..My life is ruined, absolutely ruined.. I want all my premiums back from Allstate as there was no reason to ever have had house insurance, not in Florida anyway. I also think Allstate owes me punitive damages for me and my daughter. I think Allstate owes me bag time.

The Monday after the fourth of July, I came home ,with my two children, to find my house had caught fire and sustained extreme smoke fire and water damage. I was completely and utterly dishearted. The only home my children had ever know was destroyed. MY husband and self didn`t know what to do other than find somewhere to stay the night and survey the damage the next morning.

When we arrived to our house, the fire chief was there. He told us to contact our insurance company. We had nowhere to go and we couldn`t even take proper care of our children as we had an eight month old and nothing we needed, only the clothes on our back. We went straight to our local agent and told him what had happened. He said that they were there for us and we believed him.

That week Rogers Clay meet with us took a recorded statement and gave us an emergency assistance check ,agreed to come, from the difference of our contents compensation. He told us that there would have to be an investigation due to such a large loss. We agreed to everything they asked of us, we wanted to know ourselves. So I met with the fire investigator while he was removing my window unit air conditioner.

I asked him if he had any idea what happened, and immediately he started asking questions about smoking in my house and the people I was with the night it burned. I told him everything I could at the time about the nights events of the date the fire happened.

Well our additional living expense paid for our hotel at first then our apartment and rental furniture just as they said they would. We had no reason to assume anything was wrong. That is until I received a call after nine o`clock at night by Wilber Jordan from allstate he asked me questions about the night of the fire, my kids, my marriage, and other things about our life. I thought it odd and asked him why all the question and he told me he was just making small talk and was very polite so i humored him the best i could.

Well i told my husband about the phone call, so he called Mr. Jordan to ask about our claim. Two minutes into the conversation my husband started acting upset and getting loud. I heard my husband tell Mr. Jordan we had nothing to gain by our house burning down. After the conversation with him my husband told me that they were saying that the fire wasn`t due to naturally occurring causes. I was floored! If it wasn`t natural causes that only left one thing someone had set it, and due to what I overheard we were the suspects even though we weren`t at home when it happened.

We have lost everything accept our lives and now this. We called an attorney for legal advice and he told us that allstate was going to do everything in its power to find a way to make it look like we did it simply because they did not want to pay out on our claim. I don`t get it i loved my home for five years i put my sweat, my tears, and my love into that house. I had just spent most of our tax rebate on materials to repair things in my home. I was a week away from having the money to pay the contractor to do the repairs and a few minor upgrades to improve the value of our home.

Sure we had filed bankruptcy in the past year we were drowning in medical bills and credit card dept. But that removed our financial burden. What in the world would we gain by doing it. We were just getting on our feet again. We thought that everything was getting better and then the fire.

Aside from my house being broken into repeatedly having to hunt down my stolen property and then take police with me to lay claim to my stolen property, on more than one occasion including after the fire someone had broken my bathroom window out, stolen yard equipment and vandalized my garden prior to the fire, my insurance company has chosen to investigate us.

I lost every picture every ultrasound tape every single shred of my children`s past from birth til the fire occurred and they have the nerve to insinuate that we had anything to do with it. Just because we have gone through some hard knocks doesn1t make us criminals. However to allstate i`ve come to conclude we are. It makes me sick people are vultures and my house has become their pray. For three months we have been put off by allstate while my house has sustained further damage due to theft and vandalism and even wind damage . We do not have the funds to protect our home from further damage. WE are fed up. How can it be legal for them to do this.

Now we have to go do a deposition under oath and everything, and they haven`t even started on our home. They are treating me and my husband like trash. I think that they are the criminals and the way they are treating us is outrageous. I hope they do find out what happened just so we can file a slander suit against them. But most of all i just want to take my children home. My three year old son cries every time i stop to check the mail because he doesn`t understand why we are home but he can`t go inside. I don`t know how to explain it to him no matter how I try. We should have been home already. Now we can only assume we may never go home.

WE have obtained a lawyer and my mom told me to fight to the death for what is right. We have also filed a formal complaint with our state insurance commissioner. I pray it helps because from what we have been told so far things could get ugly because allstate doesn`t want to hold up their end of the claim. Allstate customers beware and hope that you don`t have a mortgage or bankruptcy looming over your head should you ever need the policy you have been paying on for years. They will make your life a nightmare after you lose everything you love and try to make you out to be the scum of the earth if they can. I will fight and if you buy there insurance you may need to one day as well.

The Monday after the fourth of July, I came home ,with my two children, to find my house had caught fire and sustained extreme smoke fire and water damage. I was completely and utterly dishearted. The only home my children had ever know was destroyed. MY husband and self didn`t know what to do other than find somewhere to stay the night and survey the damage the next morning. When we arrived to our house, the fire chief was there. He told us to contact our insurance company. We had nowhere to go and we couldn`t even take proper care of our children as we had an eight month old and nothing we needed, only the clothes on our back. We went straight to our local agent and told him what had happened. He said that they were there for us and we believed him.

That week Rogers C meet with us took a recorded statement and gave us an emergency assistance check ,agreed to come, from the difference of our contents compensation. He told us that there would have to be an investigation due to such a large loss. We agreed to everything they asked of us, we wanted to know ourselves. So I met with the fire investigator while he was removing my window unit air conditioner. I asked him if he had any idea what happened, and immediately he started asking questions about smoking in my house and the people I was with the night it burned. I told him everything I could at the time about the nights events of the date the fire happened. Well our additional living expense paid for our hotel at first then our apartment and rental furniture just as they said they would.

We had no reason to assume anything was wrong. That is until I received a call after nine o`clock at night by Wilber J from allstate he asked me questions about the night of the fire, my kids, my marriage, and other things about our life. I thought it odd and asked him why all the question and he told me he was just making small talk and was very polite so i humored him the best i could. Well i told my husband about the phone call, so he called Mr. J to ask about our claim. Two minutes into the conversation my husband started acting upset and getting loud. I heard my husband tell Mr. J we had nothing to gain by our house burning down.

After the conversation with him my husband told me that they were saying that the fire wasn`t due to naturally occurring causes. I was floored! If it wasn`t natural causes that only left one thing someone had set it, and due to what I overheard we were the suspects even though we weren`t at home when it happened. We have lost everything accept our lives and now this. We called an attorney for legal advice and he told us that allstate was going to do everything in its power to find a way to make it look like we did it simply because they did not want to pay out on our claim.

I don`t get it i loved my home for five years i put my sweat, my tears, and my love into that house. I had just spent most of our tax rebate on materials to repair things in my home. I was a week away from having the money to pay the contractor to do the repairs and a few minor upgrades to improve the value of our home. Sure we had filed bankruptcy in the past year we were drowning in medical bills and credit card dept. But that removed our financial burden. What in the world would we gain by doing it. We were just getting on our feet again. We thought that everything was getting better and then the fire. Aside from my house being broken into repeatedly having to hunt down my stolen property and then take police with me to lay claim to my stolen property, on more than one occasion including after the fire someone had broken my bathroom window out, stolen yard equipment and vandalized my garden prior to the fire, my insurance company has chosen to investigate us. I lost every picture every ultrasound tape every single shred of my children`s past from birth til the fire occurred and they have the nerve to insinuate that we had anything to do with it.

Just because we have gone through some hard knocks doesn1t make us criminals. However to allstate i`ve come to conclude we are. It makes me sick people are vultures and my house has become their pray. For three months we have been put off by allstate while my house has sustained further damage due to theft and vandalism and even wind damage . We do not have the funds to protect our home from further damage. WE are fed up. How can it be legal for them to do this. Now we have to go do a deposition under oath and everything, and they haven`t even started on our home. They are treating me and my husband like trash. I think that they are the criminals and the way they are treating us is outrageous. I hope they do find out what happened just so we can file a slander suit against them. But most of all i just want to take my children home.

My three year old son cries every time i stop to check the mail because he doesn`t understand why we are home but he can`t go inside. I don`t know how to explain it to him no matter how I try. We should have been home already. Now we can only assume we may never go home. WE have obtained a lawyer and my mom told me to fight to the death for what is right. We have also filed a formal complaint with our state insurance commissioner. I pray it helps because from what we have been told so far things could get ugly because allstate doesn`t want to hold up their end of the claim. Allstate customers beware and hope that you don`t have a mortgage or bankruptcy looming over your head should you ever need the policy you have been paying on for years. They will make your life a nightmare after you lose everything you love and try to make you out to be the scum of the earth if they can. I will fight and if you buy there insurance you may need to one day as well.

My area (NW Suburbs of Chicago) got hit with a storm on July 2, 2008 and most insurance companies classified it as a catastrophe area. After having 20 or so contractors tell me I had hail damage, I called my Allstate agent and was referred to the National Storm line. They sent out an adjuster in Mid August and my contractor was present to do a walk around. She didn't say much walking around my house and for the roof, she never got off the ladder, basically looked at a 4'x4' area on my garage. She then said, she would come back with a supervisor to review the hail damage claim.

They came back when I wasn't there and said there isn't hail damage on the siding or roof. They gave me a check for 500 to cover dents in my air conditioner and cutters. The best part, when they came back to walk around my house, they couldn't have walked around my whole yard because my gates were locked. My fenced in yard covers half my house. I live on a corner lot and my house was most exposed and got the most hail damage. Also, every house in a 10 house radius of mine got roofs replaced and siding done. But my house was denied.

I called and complained, they sent a second adjuster out over 2 weeks ago, he walked around and said I have damage and he doesn't know what they looked at. But also said, field operations were already out there and it will be hard to get additional funds. The 2nd adjuster never looked at the roof, but did come inside to see my new water damage and he took pictures. It didn't rain for a month in my area after the storms, but once it did, I noticed water damage in my upstairs bedroom and kitchen. He told me, that someone else will come back and look at the roof, but no one ever did and no one called.

In the last week, I've called the adjuster several times, my agent and allstate field operations, but no one will call me back. And all the customer service reps tell me to call my agent or adjuster. I get the feeling Allstate has to denied x% of claims, and I was chosen. Allstate may still step and pay for damage, but so far it doesn't look like it. I just can't believe no one calls back. Every contractor did tell me, Allstate is the hardest insurance to work with for Homeowner claims.

I'm not sure about the economic damage just yet, I haven't got an estimate on the water damage, but my estimate for the siding and roof is currently around 16k.

In April of 2008 I filed a claim with AllState for hail damage on my roof. I was not home but allegedly an adjuster came out, with a roofer of his choosing, and stated that I had no hail damage. I took their word for it and that was the end of it. On a side note let me say that I live in a subdivision of approximately 30 homes. My house was the 7th in the neighborhood. I would guess that about half of the neighborhood has had roofs replaced due to hail damage from the April storm.

Fast forward to September of 2008. I have covered a deck and was in the process of getting estimates from roofers to put shingles on it. Three roofers brought it to my attention that I have a significant amount of hail damage. I then called AllState to reopen my claim. I talked with Kyle Wood who is a manager of the adjusters. He informed me that his adjuster had already been out here in April and that he was not reopening the claim and that no one would be coming back out. He just laughed at the fact that I believe I have significant hail damage.

The consequences are that currently I have a severely hail damaged roof. I have been paying my premiums and now that I have an issue AllState is refusing to step up to the plate. I am going to have to incur legal expenses in order to pursue this matter.

On June 7, 2008, A tornado hit my small suburban town. There was wind damage, hail damage, and rain damage. We had a contractor look at our roof after experiencing rain water staring to leak into the home. We were not aware we could or should file a claim, so we just purchased buckets, wood and other items because of the leaks whenever it rained. We have had a massive rain storms here with flooding widespread. My roof has extensive damage outside and inside.

My neighbor has Statefarm, his claim went through, we have Allstate, our claim was denied. We need help!

We have our mortgage company pay the full premium every April (for 6 years), we are thinking of dropping Allstate. The economic consequences are ridiculous. We have a hole in our roof from flying debre, so raccoons have taken up in our attic space. My ceiling is caving in on the first and third floor. We purchased this home six years ago, so Allstate says it's normal wear and they won't cover it. The agent even went so far as to say the storm just sped up the progress of deterioration so they won't cover it.

This is extremely stressful, we have three children in our home and I am a stay at home mom back in school working on my degree to become a Clinical Psychologist. We need legal and financial help

We do have one customer who is having a tough time and it seems to me that he has been wronged by All-state Ins. A storm came through in June and his water stopped working. He called and our technicians found his pump needed to be replaced. On examining the pump and taking it apart, Dennis (owner) determined that it was an old pump, but that it had been damaged by lightning. [He] said the windings in the motor were shorted together and thus the pump motor had locked down. When contacted by the customer's insurance company (All-state), [he] was honest in speaking with an All-State rep. He said he couldn't say with 100% certainty that the pump was hit by lightning, but that lightning damage was his best professional opinion as to why the pump stopped working. All-state must have picked up on the fact that the pump was old and saw a chance to get out of paying the claim.

The company paid to send the pump to an engineer, who said it was old and not damaged by lightning. All-state denied our client's claim and now he is left with a $1,900.00 bill. [We] spoke with the engineer hired by All-state who admitted the pump could have been hit by lightning but he is paid by All-state so he determined it was just worn out. The pump was old, but it could have worked for several more years or for one more day. Who knows? However, Dennis has installed pumps for almost 40 years and he stands by his finding that the final blow to the pump motor was from the storm. Our client said there's no use to fight All-state.

It makes me angry that this large company is denying a legitimate claim -- especially since this man does not have much money but he has paid his premiums faithfully. I argued with the administrative manager for All-state's southeastern property claims division yesterday on behalf of [our client], but he didn't really want to listen. Dennis did insist that All-state's engineer send Mr. Jones pump back to him, so we do still have it as evidence. Is there a legal foot to stand on here. Thank you.

[Client] cannot afford to pay his bill [for well drilling company for repairs].

Hello. I am writing on behalf of my mother is almost 70 years old. My mother called Allstate 3 weeks ago in regard to a personal injury lawsuit that was filed against her. She was told at that time that there was nothing that Allstate could do to help her. I have talked to several lawyers since then who are willing to take my mother's case and who mentioned filing a case against Allstate due to their lack of responding and representing my mother in her case. My mother was never notified of a case pending or anything until a few weeks ago when she was summoned to reveal her assets to the court.

Now there is a lien against her property. A default judgment was entered against my mother for not appearing in court because as I stated she did not have any knowledge of a lawsuit. She has been loyal in paying her premiums for the past 15 years and now when she needs representation from Allstate they are telling her that there is nothing that they can do...huh?

I was told by legal counsel that Allstate attorneys need to file a motion to get this judgment overturned for many reasons. Legally Allstate should provide my mother with some type of legal counsel and we are not sure why my mother was told that there is nothing that Allstate can do to help her. If we do not hear, back from someone in the next day or two we will be forced to bring a lawsuit against Allstate.

The court took all my mother's money from her accounts. How can someone sue a person and be awarded a judgment without evere serving the person that is being sued? I just don't get that at all.

My house burned down July 9 2008 here it is Sept.9th 2008 and I have gotten nothing but grief from all State insurance Company theyare claiming we didn't live because my husband is a truck driver and we are gone alot I contacted the board of insurance for arkansas and because I always had someone in the house, house sitting so nothing would happen to our home and our horses where taken care of the allsate dosn't have a leg to stand on. But the insurance company chooses to not to listen to the board. How doxe a company like this even stays in business? I've always paid my premins I might as well not have insurance at all

I lost every thing all we have is a few clothes

I have always found Allstate to be an upstanding insurance company, My husband and I were with Allstate in Colorado as customers, for many years, we once tried AIG for a couple of years be eventually went back to Alltate. We moved to Alabama 3 years ago and once again went with AllState for our home insurance and vehicle insurance and have been totally satisfied.

On 5/20/2008 our neighborhood was hit by a tornado. It has been declared a disaster area by the Federal Government. Our roof was damged by the hail. Allstate to which I pay for a DELUXE Homeowners policy ( a lot of good that has done me) has fought me tooth and nail over what they consider damage.Of the 380 homes in the neighborhood over 75% so far have recieved a new complete new roof and new roofs being installed daily. State Farm requires 8 hale hits per side of roof to qualify for a new roof and Allsate requires 14. Quite a difference in criteria!

I have had three different roofing companies come look at my roof and all three including Allstate themselves say the whole roof is damged. Allstate however says that the back side of my house is not damaged enough to meet their criteria as to be replaced and should be repaired. So they have agreed to replace 3/4 my roof with new shingles and patch the remaining 1/4. The front of my roof is now going to be a different color than the rear due to the age differance of the shingles. My homeowners assocation is telling me this will go against the covenants of the neighborhood and I will be in violation and subject to fines until I pay to have both sides match.

The only people in my neighborhood that are having problems getting new roofs are Allstate customers. Everyone of my immediate neighbors has either recieved a new roof or is scheduled to get one in the coming weeks. I am filing a complaint with my states insurance commissioner for this vast difference in required criteria and just plain bad faith in Allstates business practices.

My home is going to take a huge loss in value should I want to sell due to the fact that my roof is going to be different colors in several different places.

I had a new refrigerator installed. At that time I did not have the extra money to pay for the one that had an automatic ice maker as the previous one had. The man who installed the new refrigerator didn't cut the little hose off that runs the water into the freezer to make the ice. It slowly dripped until one night I got up to go to the bath room. The carpet was soaked. Of course, I called Allstate. At that point I didn't know the cause. The investigator came out and discovered the cause of the damage -- the tube was left on for the previous ice maker. They, in turn, filed suit against the company I bought the refrigerator.

I am confident that AllState KNEW that the water from the kitchen traveled across the flooring in my utility room, and seeped into the hallway leading to by bedroom; and collected the damage for that. HOWEVER, AllState only paid me for the damage in the bathroom. Like a fool, at the time I trusted AllState and thought the problem had been taken care of. Put new floor and carpet in the bathroom. Approximatly a year later, I was walking into my bathroom from the bedroom, and my foot went through the floor. I couldn't understand what happened. About 6 months later, I was walking from the livingroom into the utility room (next to the bedroom and bathroom) and my foot went through the floor.

I am quite sure that the ALLSTATE investigator was experienced and knew that damage was caused initially during the first event. They didn't tell me about it or pay for it to be fixed -- yet, I am quite sure they collected more than I was given to make the proper preventative problems. Years later as of 2008 -- I received an electric bill for cooling my house for the past two summers for $450.00 last year and $350.00 this year. I live in a 16 x 66 mobile home.

Spoke with electric company, and they sent out an auditor. I am cooling under my house due to leaks of rotted wood falling apart making holes so my a/c escapes under the house. THE EXPERIENCED ALLSTATE INVESTIGATOR KNEW about the damage but didn't pay for it. I no longer have ALLSTATE and it has been too many years to go back -- so, I am not sure what to do.

I am now on disability and trying to make it on $714 per month plus find a part-time job when I am physically able to do it intermittently. The high electric bills, and repairing the damage to my home is way out of my financial ability to pay. Yes, I will find a job, but I can't make enough money to repair all the damage. I have no idea what to do.

Roof Damages: The Alstate Insurance Company do not assist customers with claims, when it involves damaged to the roofs. I am inclined to believe evidence exist that clearly indicates that some actions need to be taken to get this Insurance Company to Honor Claims.

Storm Damages that are clearly identifiable. Leak in my home.

Our house flooded during Tropical Storm Allison. The adjuster was quick to tell us to tear out all the sheetrock from 4 ft down to mitigate mold because they would not pay for it. We had flood insurance and our total loss was over 65,000, however after depreciation and deductions we only recieved about 35,000. It was years after that we were told that we could of collected the difference between what we were given and the replacement value after the repairs were completed. If we were given any paper work stating it, it was in the fine print because neither myself or my wife remembered seeing it. Funny thing is, it was another adjuster who came by our shop who told me that I had been screwed.

Not sure, between 20 and 30 thousand by my best guess. We were able to make the repairs needed by doing everything that we could by ourselves and with the help of friends. We used money we were given for the loss of personal property to make up the difference. Our house was repaired but a word to those who suffer the same type loss, make sure to ask if there is any other money that will be paid after the rebuild is complete.

The MAJOR storm that hit northern California back in January totally took out my fence. Allstate paid me a little over $300 to fix fence. My adjoining neighbor's insurance paid for the whole fence. That money didn't even make a dent in getting fence fixed. I'm looking around for a difference insurance company....

had a storage unit at public storage, there was a break in on more than one occasion, was told by them if had other insurance , to file claim, i did, allstate is now treating me as if i did the break in, provided them with all neccessary receipts and proof of loss as much as could, still they are asking me for all kind of personal papers , tax forms, bank statements etc. and to submit to a examination under oath, i dont think all of this is neccessary, but i have only been in insurance for a short while , but i am very frustrated at being treated like the criminal

denied hail damage claim on Homeowners policy when all neighbors received new roofs. None of whom had Allstate Insurance. 14 neighbors with new roofs, one without Me!

Multiple hail storms this summer with hail the size of baseballs (yes baseballs) have damaged the roofs of multiple houses in the area requiring new roofs to be installed. Approximately 4 to 5 thousand dollars damage in my case.

I started my homeowners policy with Allstate in August of 2003. The policy was great, and only cost $465 per year. Two years later my policy went up by $100. Last year it was $624. I just received my renewal information last week and it stated that my policy was going up to $961. This is a $337 increase this year alone.

When I questioned them, they stated that this was a typical across the board increase. What insurance company is going to increase your amount you pay by 50% in one year and why? I have seen the news, I know that Allstate is having trouble with claims and underinsuring, but we as consumers should not have to stand back and be victimized as a result of their neglegence. I am currently in the process of cancelling my policy with Allstate. I am outraged by their totally laxed attitude and no solid justification for increasing my policy by such a ridiculous amount.

Several Tornadoes and Hailstorms went through the area over a week period. Allstate first came out checking for damages and said oh there are several shingles blown off but your 500 dollar deductible will cover everything. The supplies alone came out to about 300. Later, after several roofers were called to give a full roof replacement estimate, I was told by about 4 roofers how bad my wind damage was on the roof. Called allstate back to do another estimate/roof inspection.

They came out and noted oh there are shingles missing on 5 sides of your roof. Also several shingles are no longer stuck down. Also there are a couple of small leaks currently. Also there were previously several larger leaks in the roof. They also were sure to tell me the roof was on its last leg. Funny thing is they said They weren't going to replace the whole roof, which was 16 years old. They did say they would pay to replace the missing shingles which they low balled thanks to them providing an all-state employed roofer to do the inspection.

I'm tempted to wait until it all but caves in and then have them replace it. I pay insurance every month for situations like this....then when I need the money I paid them to be put to use...they say no. I ONLY WANT THEM TO USE THE MONEY THEY HAVE BEEN PAID TO FIX THE ROOF. Im not asking them to pay for a whole new house. They have received more than enough money from me to fix the roof. So if I had all the money I used to pay the insurance company back in my bank....I would get it fixed myself.

Leaks, everytime a storm comes and knocks off 500 dollars worth of damage. I get forced to pay my deductible....so after about 5 good storms I will have paid about 2500....so much for a deductible being 500 dollars.

Our house was hit with hail damage 3 sides of the house causing damage to the siding and roof. Allstate paid out $4600.00 stating minimul damage even though we had quotes from companies stating extensive damage. Allstate would not budge on their decision and refused to send out a different adjustor per my request. Is there anything I can do? All my neighbors are getting their roofs replaced. I am the only one not receiving the service I pay for.

My complaint is against Allstate itself, and not individual agencies. 3 years ago, I was paying just over $1000 a year for homeowners insurance. A year later, the rate went up to $3500 per year. I then decreased my coverage to the bare minimum so my policy went down to $1500 and then increase another $200 within that year. NOW my umbrella policy went from $350 in 2007 to $587.82 and I am totally DISGUSTED at how Allstate can squeeze people for rate hikes all the time.

Allstate Insurance Company is draining me of my money, and I am now looking into alternative homeowner insurance policies in the hope to terminate ALL of my insurance with ALLSTATE.

7-13-08 Recently (in July 2008) discussed my statement with above agent, who has always been helpful. I asked to increase my earthquake loss of use from $1500.00 and informed agent i was having some work done on my home. He said no problem. However, when I received my statement which is due August 20, 2008, the change from the previous year was shocking. 2007 homeowners - $940.00 2008 homeowners - $1509.00 2007 Earthquake - $632.00 2008 Earthquake - 1155.00

Obviously the amount has more than doubled and I cannot afford such an increase on such short notice so I assume they want me out after more than 30 years with them. Is this price increase legal? You list the 10 worst insurance companies without listing the 10 best. Where do I turn? thanks.

Home Robbery for $21,000.00 worth of electrinics and accessories. 146 items claimed on report, I had 93 original receipts out the 146 and produced documentation [either product manuals, installation discs, or other] for 16 more of those items. I received $6,900.00 dollars in reimbursements. I have been their customer for 11 years. This is totally unacceptable, insulting for what we lost, and a crying shame to my family. Alsstat is as bad as the crooks who broke into my home!

Three weeks after the robbery, I received a letter in the mail from Allstate, and I quote: ..we are unable to renew your policy...due to the following reasons: The roof of your dwelling or garage is uneven or wavy, is lifting or buckled... Can you believe this company. Oh I am so sorry Allstate that I was robbed. Thanks for making me and my family get the raw end of the stick on *ALL* accounts. Thanks for not only dropping my account but completely lying to the public about your care for our losses during times of uncontrollable and external dire events. I have until 9/1/08 to find a new carrier.

Oh by the way, they also have been by auto insurance carrier for over 11 years now. I don't have the stomache to do the math that will yield the total amount of premiums I have paid. I am getting sick as we speak. Please avoid this company at all costs. Sincerely burned by all state, not by any fire!

Robbery: $21,000.00 of documented costs

Roof and sidings of all sides, and glass of basket ball stand have been damaged by hail and storm. Insurance company simply allowed replacement of two sides and minor repair of roof though they admit damage in all sides making excuse that two sides damage are older. Their consultant admits that there are dents on light vents on roof but he made the excuse that he did not find any dent or granule loss on visual examination. Our pictures contradicts his findings based on visual examination. We would like to send entire correspondence, pictures etc if so desired by prospective attorney for class action law suite or bad faith law suite.

Roof and sidings of all sides, and glass of basket ball stand have been damaged by hail and storm. Total economic loss is about $30000 besides mental and emotional stress damages.

all state have deep deep pockets and they do not live up to ther word! they mad dog people did not paid me for about $378,000 in my home! they are the bigest rip-off!

My 87 yr. old mother and I, (son) can not get a response from the Agent by phone or even going to his office. The 800 number for Allstate dos'nt answer either. What do you suggest? She needs to upgrade her home poicy.

We had our fridge water supply line break in the middle of the night and flood our kitchen, dining room, and hallway. We have laminate flooring throughout the house kitchen, hallway, dining room and living room. It is all one continuous piece. Allstate sent a company out to dry up the house. The company was called Servpro. Servpro came out and ripped up the laminate flooring and toe kicks in the kitchen. They drilled holes in the walls in the kitchen and dining room. They went under the house pulled down the insulation under the fridge and set fans under the house also. They sucked up as much of the water as they could and set fans and dehumidifiers for 3 days. When Servpro was here we asked them if this was going to be covered because we did not want all this damage of ripping things up if not. Rick from Servpro said yes, this was a covered claim and went ahead and did all this. P>

The claim service adjuster John L assured me that this is going to be covered and that they were going to replace the flooring to the kitchen, living room, and hallway. I had talked to John multiple times and every time he assured me that all the damage done from the flood was covered and going to be replaced. On 6/18/2008 Paul E claim service adjuster came to my home said I remember being here and pulled out his computer to look up my records. He said after looking at his files that he was going to deny this claim with the exception of the holes and toe kicks. He said that my husband called him out here in December of 07 for a bathroom floor claim. He pulled up the notes and pictures of this claim and read them to me. He had said that he feels that the flooring was already damaged before the flood so they do not owe us for this. The picture that he tried to claim that was damaged flooring was a picture of my freezer door open of the floor. I told him that is NOT damage that is dirty. I know because I have cleaned that floor for the last year and it was not damaged. This flooring is only a year old.

He proceeded over to the kitchen sink and opened it and said that in December of 07 there was a existing leak under there and that it would have had to come up under the laminate flooring and damaged it so no claim. He said that the linoleum that is under the laminate flooring by the sink has stains under it and that is proof that it was leaking under the laminate flooring. I told him the linoleum was like that a couple of years before we put the laminate flooring down. This is one of the reasons we put in the laminate floor to cover the stains up. He said no and that this is an already damaged floor and NO claim. Now how can they have a company come in rip up my floor and destroy things and say they are denying our claim? They have left our floor in shambles.

My husband did a lot of calling and was contacted by Tim S who left a message to call him back. I called him the next day and he said that he does owe us for the flooring except 16 sq feet because he says my husband said that a 4x4 area was already damaged. My husband did not say the laminate was damaged he said the linoleum was damaged and he had no problem taking care of that 4x4 area of the linoleum. Tim would not listen to me when I told him that is not what my husband was talking about. Tim said they will take care of the laminate only, in the kitchen, hall, and dining room, nothing else like the sub flooring. Tim was implying that I should be grateful for them doing this much.

My argument is that there was nothing wrong with our laminate floor before the flood and Allstate should do the repairs that John L assured me they were going to do. The sub floor in the kitchen is the linoleum and the rest of the house is particle board. The sub floor in the kitchen would not have to be replaced except for a 4x4 area by the kitchen sink. That area is not soft or caving in it is just stained, but the rest of the areas IE dining room and hall way sub floor was damaged from the flood. The living room sub floor was not harmed and would not need to be replaced, just the laminate because it is all one continuous piece. I have got a quote from a contractor after John L told me to and he is giving us a quote of 9,700 for the repairs and telling us we need to be out of the house for 10-12 days for this work to be done. I feel that Allstate is trying to get out of this claim and they are not in the right.

I received my most current flood insurance bill and decided that over $800 was ridiculous since I have lived in the same place for 34 yrs and have never flooded. Unfortunately my mortgage co. has required it and ever since I can remember, we have had problems with Allstate Flood, but there was not that much available.

Now I decided to pay off my mortgage, which I did and I am trying to cancel the flood insurance and they keep throwing obstacles in my path. My Allstate agent told me that all he needed was a signed request in my handwriting with proof the loan was paid off, which I provided. Now Allstate is telling me that they need certification from the mortgagee the the loan was paid off and they no longer require flood insurance and that there is a formal form from Allstate that I need to fill out and sign and have my agent sign, which he claims to never have heard of before, even though he has been in the business for 23 yrs.

At this point, the only consequence is threatening letters and increasing frustration, but I am concerned that it might affect my credit rating if I don't pay for the renewal, which I absolutely refuse to do.

Allstate is one of the worst companies I ever had to deal with. I signed up with them around April of 2008. It seems like nothing went right after that. Shortly (in about 2 weeks) after my policy was started I received a call from the mysterious underwriting department and was told that there is some uneven patching on my roof. I told the guy that I bought the house about 6 months ago and that it was inspected in and out and that it was fine. Also, it didnt look like any of the shingles were blown off or damaged, so the roof must be fine. He told me that they need some kind of a paper from someone certified that would either say that everything is ok or redo the patch Allstate did not like. He also told me that my policy would be cancelled on June 1 if I didnt take care of it.

I sent over the fax with the paper that said everything is ok with my roof and assuming that I was in good hands? decided that everything would be fine from here. Little did I know how much pain I would have to go through to get nothing useful from Allstate. I called Allstate about 20 times to resolve a number of problems caused by Allstate after this, here are some of them.

Wrong: I was told that if I signed up for easy pay (pay out of your checking account monthly) I would not receive a discount and that I could not pay it off in full
Right: I would receive a discount and there is an option to pay it off in full

Wrong: I was told that both of my policies were on easy pay (I confirmed it with 2 different customer service agents)
Right: only my auto policy turned out to be on easy pay so my home owners turned out to be past due for over 2 months (they told me to ignore those notices because it takes about 20 days for my checking account information to get processed)

Wrong: home owners policy was cancelled because I did not pay for it for over 2 months
Right: it was cancelled because Allstate did not receive pictures of my roof (which was a surprise for me since they never requested them)

Wrong: Allstates customer service department in India can send out proof of your car insurance to your mortgage company
Right: Wouldnt any idiot understand that a mortgage company needs homeowners insurance (I asked them to send a copy of my homeowners insurance, my mortgage company did not receive it twice and kept on sending me notices that said I was violating the conditions of my mortgage)?

Wrong: up until the end of May customer service kept on telling me I didnt have to do anything in order for my homeowners insurance to stay active (thats about 20 phone calls between April and end of May)
Right: underwriting department did not receive what they wanted. Well how in the world am I supposed to know that when customer service tells me there is no way for me to talk to them and that my policy does not have any pending terminations so I shouldnt worry about anything???!!!

Wrong: I faxed a copy of the contract with the roofing company and 2 large pictures of my new roof, it should be enough (that was exactly what Allstate requested).
Right: Allstate says I did not provide enough proof.. what else in the world do I need to do? There is a new roof on the house why cant they come and see it like they did before!? Why dont they notify me that it wasnt enough and told me what they need!?

Wrong: If you are calling after business hours and the customer service rep cannot get a hold of the proper department he/she would submit an email and get a hold of you the next day to inform you about what happened to that request

Right: I had about 5-10 of those, not a single call back even when those promises were made from the management level I happen to have 2 of those # still written down on my paper, keep in mind you will not get these numbers unless you go through trouble and suffering with Allstate:

This list is quite a bit bigger and my time is limited so I will stop here. Bottom line is I received wrong or misleading response from Allstate about 50% of the times I called them. Allstate does not care about their clients. DO NOT FALL FOR THEIR COMMERCIALS BELEIVING YOU WILL BE IN GOOD HANDS WITH THEM. I could push this further and try to resolve more Allstates own issues for them but I dont want to because it scares me to think what would happen if something would actually go wrong with my house or one of my cars.

My basement filled with water and i called the insurance company and tried to file a claim. They stated i do not have flood insurance so i said ok and started to fix the damages, when we connected turned the power to the well pump water was gushing down my walls so we shut off the power. i called allstate again and told them my problem and they said if a pipe is broken it is covered and they will send out a adjuster. The adjuster came out and told me it was not covered the rain and snow water entered between the garage and house I told him i was getting another opinion he said thats is up to me so i called around and found a home inspector that is a mold specialist and he came out and confirmed where the water originated and it was from the pipe being broken

while he was inspecting the house my neighbor had 18 of water in their basement and mine was dry so we called allstate to come out and see what was going on and they told me they could not get anyone out to the house and someone could come out in a week. I was very upset oh and when i called to tell them what the inspector found they told me the calim was closed even after i told them i was getting a second oppinion. So i called the adjusters supervisor and felt i was getting somewhere he reopened the claim and talked to my home inspector and told me to get a plumber out and document it and the plumber concluded it was a freeze break from a draft so i faxed the info.

I was contacted one week later stating to have a contractor and they will bring a contractor and settle the claim. I was very happy till we met up they sent the original adjuster and no contractor he proced to tell me it was not covered because the house was a bad desing, but i have lived there for 7 years and never had a problem with no claims and paid faithfully so how is it a bad design. it would of happeded within the 7 years if it was a bad design, but he said we are standing behind our decision so i called his supervisor and got no answer he is out of is office and can not be reached for another week. Now my house is bilevel home and all the rooms are down stairs i cant live there, and i have done everything i can i hired and inspector and a plumber everything that allstate asked of now nothing is covered.

My homeinspector told me to get a lawyer and do a bad faith claim due to a not paying out on a claim that is real he will back me 100% but from what i have read on line allstate does not pay out and screws their clients now there is $50,000 in damages due to letting the house sit and i have mold everywhere is it wort it to get a lawyer because i cant pay a lawyer and loose and have to pay to get the house fixed.

bilevel home 3 bedrooms destroyed mold everywhere doors all warped carpet, tiles,drywall, wood trims trashed

Well for the first time a couple of years ago some kids broke into the house and ramsacked it and did not take much but some clothes and video games, my parents called allstate and filed a claim the first one in 18 years of paying premium. Well last year my mother noticed that the drains in her house were slow and the washer kept overflowing in the back. She propmtly called a plumber and he did a fix to correct the problem to what they thought corrected the problem...a couple of weeks later called the same plumber fixed it again. Well needles to say another plumber was called to to correct the problem which was a slow leak in the pipes underneath the house.

She called allstate and told them and the so called adjuster came out and said it would/could be covered to get fixed. In the process of pulling all the workers together my father was diagnosed with cancer and died this febuary. When we finaly pulled back together we picked up with left off projects which included the plumbing. After they told my mother to proceed with the work they in the middle of the work Allstate called and had already denied the claim because she let the leak go on for so long. Well since she had the policy for so long and they Allstate sent her the copy of her policy and it stated within the policy that if deterioaton caused water damage that would be covered the claims adjuster to her that she received the wrong policy and he is sending her another on and my bad so to say but still no the claim will still be denied. He also told her that it was against the law to go and reaudit claims.

Now I work for a insurance come that is a household name and no way that re auditing a claim is against the law...the customer service rep said that a claim can be reviewed again. I am so mad at allstate to put my mother through all this right after he husband of 40 plus years passed and to lie to her on top of that. Needless to say I have contacted our legal department for some advise. The customer service there is horrible a phone service person that yelled at my mother and practically cussed her out.

In all my mother had to pay out of her pocket $12,000.00 to pay for the fix. Mind you she quit her job to take care of my father who was retired military and served over 30 years serving this county, so her income was cut in half or less! The $12,000.00 was in her savings for retirement now she had to go back to work.

Allstate Insurance company cancel my homeowners Insurance without notifying me. I am with this Insurance for over 10yrs. I didn,t even know the Insurance was cancel, until HomeEQ mortgage company ask me to fax them prof of insurance from my insurance CO. I promply call Allstate to fax them the letter, That is when i found out that My Insurance was cancel but that they will not be renewing my homeowners insurance. They told me they send me notice of this cancelation but i never receive any. I need time to find a next insurance. They didn,t any time. I think this is unfair. irresponsible. Is there any help for me. I have get Insurance coverage fast.

The mortgage CO (HomEQ) Said they will have to give me coverage. I don,t want it because its very expensive, and cover very little.

We just received our renewal homeowners policy and there was more than an 80% increase. I was told we are a coastal county, which we are not. I had a very samll claim for Katrina and feel this increase is very wrong.

I strongly suggest anyone NOT to use Allstate. They will do everything possible to keep from paying out for a claim Heres my situation

I just sold my house in Lake Charles, Louisiana. Last year, in June we had a very strong hail storm which made numerous small cracks in the vinyl siding on the west side of the house. As these cracks were long but no visible holes were made I used some PVC adhesive to close it. When the house was put on the market I immediately received an offer. The buyer hired an inspector and in his report he pointed out the issue with the siding and indicated that the roof is severely damage by the hail. The roof damage was a big surprise as the existing roof has 30 years old guaranteed shingles (house is only 10 years old). I remember that after the hail I found a lot of grit from the shingles around the house but it never occurred to me that the roof was severely damaged.

I called two local roofing contractors to perform inspection and evaluate the roof condition and both came back with quotes to replace the roof due to severe blistering caused by the hail. As the closing on the house was approaching in a weeks time I filed electronically a claim with Allstate. Finally after three days I was contacted by the adjuster James Hutson who stated that he cannot come earlier than a week and half from this time. As the buyer already sold her house it was becoming a desperate situation. The explanation of this situation to the adjuster did not make any difference. The buyer was lucky that she was allowed to stay in her house for a week after closing.

On the day of inspection I met the adjuster and after his inspection he stated that siding is damaged on the west side and it was caused by hail. The same damage was evident on both aluminum roof turbines. The roof on the west slope is also damaged with heavy blistering but it was not caused by hail but only manufacturers defect (?). He discredited both roofing contractors as not experienced in making any diagnosis (Im sure that after last hail storm they had a chance to repair many roofs in this area).

In summary Allstate paid only for the siding and roof turbines replacement and nothing for the roof. He condemned the roof and stated that it requires replacement. I hired one of the roofing contractors and paid from my own pocket for the roof replacement before closing. Reading Allstate statements that They're accessible, responsive, knowledgeable and reassuring during a customer's time of need? or ? Prompt, Fair Settlements, Satisfied Customers, Efficient Organization? makes we wondering that managements preaching is not really followed by their employees. There is definitely a big disconnect. I feel that the adjuster was either not qualified or did it on purpose to boost companys profit which according to financial report was $1.42 billion for the last year. I just wanted to warn people and share my experience with Allstate and Im in process of replacing my insurer.

$6700 for roof repairs paid from my own pocket.

I recently was told that allstate insurance has raised their rates by 36% in Ohio. I looked into this by requesting a quote myself on my home. I noticed that the quote was the same as what my brother in law paid last year prior to his increase. I am afraid this allstate agent with whom I dealt with in Norhtern Ohio who provided me with my quote maybe pulling a bait and switch. Just to earn my business I think this unlawful and soo very wrong. Hopefully you guys and help me on getting this out and have the Ohio dept. of Insuarnce look into this. Thank you

On April 18,2008 a letter was sent to me from Allstate, in reference to my homeowners policy stating that my policy is being cancelled on May 9, 2008, due to moss build up on my roof or garage (I do not have a garage), and a portion of the siding needing repair I've never filed a claim in reference to the siding. They also said that my roof was damaged. My roof wasn't damaged but now it is, due to a hail storm that occured March 15,2008.

I have had Allstate for more than eight years and have never filed a claim for anything. But I filed a claim in reference to the hail damage. I have no high hopes of anything really being done even though my house leaks now. I also noticed that my yearly payment went past $1,000, after receiving a notice that my payments were going up monthly another $23.00. I have tried calling and can never get anyone to answer the phone. The new insurance declaration that I have received after renewing is grossly incorrect.

My home is appraised at $102,000.00 and they have me needing more than $150,000.00 worth of insurance for replacement. They have me with a garage that doesn't exist, also 1500 sq ft of living space when in actuality it is 1650 sq ft. My home is built on a block foundation and Allstate has it as being built on a slab. I have 6 rooms and a living and dining combination, but on my declaration I have eight rooms. There are quite a few more inconsistancies in my insurance file. And again when I try to contact them to straighten it out I can never reach anyone.

This has been very disconcerting. Now I have to find insurance that will be much higher because of the Allstate cancellation.

I've been a customer of Allstate since 1985 and have never filed a claim on my current homeowners policy. However, this year my premium increased by 47% ($579 > $852). This is after a 6% increase the year before. I called my agent, who told me she cannot adjust rates. I called Allstate customer service and was told there is nobody I can speak to that has any control of rates.

I've switched my home and two vehicle policies to Grange, who insured me for 13% less than I was paying Allstate even before their huge increase.

We purchased a mountain home in Angelus Oaks, CA. four years ago. Allstate Insurance jumped at the chance to cover our need for homeowners insurance. We also placed 3 cars and a camp trailer with them. Last week we received a letter that stated: After FIRST NOTICE (we never received one) that the 2nd inspection shows we failed to comply with their requirements regarding inadequate crown spacing among trees within 500ft, combustible structures within 50 ft: woodpile, pine needles, leaves within 50ft.

We clear out lot each Fall and Spring. All but the spacing of trees are false statements. We do live in a forest, just like we did when we bought the house. We have cut down several trees and other growths, spending thousands of dollars to improve the healthy growth of trees and plants and have planted gardens around the house providing moisture around the home itself. Afte visiting our local Allstate Office in Yucaipa, the agent inspected our property and said that there was no reason for us to be cancelled and he would look into it. After a few days when we contacted him again, he told us there was nothing he could do as trees are within 700 ft of our home.The National Forest is within 500ft of our home, So what has posessed Allstate to cancel us now? My husband is a retired cpo officer with 20years military service to his country, we are law abiding citizens, with exceptional credit and I have lived all my life in California. Now We can't even get homeowner's insurance.

We are concerned that having received such a bogus letter may lead to us not being covered in the event that we are victims of a fire before we can get other insurance. We cannot understand why we would have received a letter telling us that we failed to comply with something that was never required of us or reported to our local Allstate Insurance Office in Yucaipa, Ca. We understand that there were 5 other homes targeted up here by Allstate when all homes in this area that are covered by them have trees within 500 ft of their homes. So, why were we target?

Angora Firestorm 6/24/08. Total loss of primary home. Underinsured and we were refused reformation (we carried no mortgage). Insurance paid $.50 on the $1.00 for rebuilding original home.

Rebuilding now and do not have enough money to finish.

After having my home & car insurance with Allstate for the last 9 years, I received a notification. The notification stated that they had inspected my property and I needed to meet their fire codes. I was a little confused because the letter did not state what I was not meeting. We are inspected every year my the fire marshal since I do live in the foothills. I have always had my required 100 ft cclearence at least. I was informed that Allstate was requiring 200ft. on my North side which was pointed out to me when I called, stated they wanted an extra 200 ft on my North side.

After 100 ft on the North side the property is no longer mine but my neighbors. When I pointed this out, I was informed that Allstate realizes that not all of thier property owners would meet their standards and they would help to get woutes from other insurers! I have never had a claim wiht Allstate in the whole time I have had their insurance.

March of 2006 I filed a claim with Allstate. I sent them everything that was required from me and I was sent a check to make repairs.

Allstate decided to rewrite my policy and my policy went up $200. Initially it was $434 and it went up to $606. I was told it was due to the loss I had in March.

I complained to the Ohio department of Insurance and Allstate rewrote my policy again and policy doubled to $895. And today when I came home there was another increase of $125 which takes my premium to $981.

Nothing has changed since I purchased this property 15 years ago however Allstate continues to rewrite my policy. My house is valued at $67,000 yet one addendum states that it would cost $189,600 to replace it, another states that it would cost $241,893 any yet another $338,232.

Before the initial rate increase, Allstate threaten to cancel my policy because there was no handrail on the side steps. One week after this notice was sent to me a rail was installed and they cancelled the insurance anyway.

I purchased a blanket policy which included storm damage coverage. In south Louisiana I knew that i needed it. I also purchased a $25,000 flood policy from the federal government. Allstate had a devious clause in the policy that excluded water damage. My home was completely lost. The hurricane caused the loss of the flood wall causing the complete flooding of the city. Allstate did not respond in good faith to restore my loss.They refused to pay for my loss of over $200,000. I was paid by the federal government for $25,00 for flood loss. This is a very bad faith company. I now don't trust any insurance company.

It cost me over $200,000 to purchase a new home and relocate in Atlanta,Ga.

My two car detached garage started on fire and completely burned down, with everything in it being a total loss. I have Allstate's deluxe Mobile Home Policy with replacement Insurance written by an agent by the name of Stephen (who Allstate has since fired). This Policy took effect on 12/21/2005 to the present. On January 22, 2008, my garage caught on fire; nobody can determine how or why, and Allstate hired a Forensic Fire Detective, and he could not either. Allstate then told me that I did not have insurance on my garage. I told them that I had a policy written by Stephen with Allstate, and it had replacement value insurance and for them to show me the policy that I signed with Stephen back in 12/21/2005. The Agent Nancy Larson stated that she could not find it. Two days later Nancy called me and told me that she had found it, and yes I did have replacement value on the content of my garage; but Stephen had not charged the right price, and could I pay the difference of that cost?

The next morning the other Allstate Agent for the structure part of my Garage came out (Eric Rinehardt) and told us that the structure was not insured. I told him that Nancy Larsen told me that she found our policy, and I had replacement value. How could it be that the content had replacement insurance but the structure itself was not insured? He gave us an estimate for Actual Cash Value cost of our 24' 5 x 32' 2 x 8 detached, two car garage with a shop, moving out the debris, and the rear side of the mobile home which had some damage done to it along with my fence: $10,900.00 for the garage and fence, and $2,420.96 for the damage on the mobile home. I refused to take the check for this amount and once again referred him to the policy I signed with Stephen back in 12/2005. He told me Allstate would never have written my kind of Policy because the mobile home was built in 1990 which made it too old. I said that Stephen wrote before Allstate fired him, and they have been taking the premiums out monthly in direct withdrawal from my mortgage company since 12/2005. Allstate has refused to send my a copy of my signed policy, and refuses to pay out the right amount according to my Policy.

It is now 02/13/2008, and today the Pierce County Washington State Department of Planning And Development Service gave me a Certified Notice that the Burnt Structure was Dangerous to the life, limb, property and safety of the public and its occupants and want the building Demolished and all the debris removed on or before March 11, 2008. Pierce County will take approprate actions to secure the area--billing it to us and fining us for not moving forward as they requested. If there is a local Attorney in Tacoma Washington interested in helping out in this matter (WA State's new Law will be in place as of March 2008), and if Allstate losses in court they have to pay 3 times the amount of the claim plus all Attorneys fees. Please call us so that I can get the help we deserve, and so that they don't do this to anyone else. Thank you.

I am 81 years old, my husband died last Christmas, and we have been with Allstate for 48 years and never filed a claim. My pipes burst on Jan 21. They tried to pay me under $400 to replace the sheet rock, tap, mud, and paint on walls and ceiling. I told them it was not enough. They said last week that they would have one of their vendors do it but they have not returned any of my phone calls.

My company in Atlanta GA, was insured by AllSTATE at the time of a burglary (Oct-8 2007) by a gang the news has called the Blu Jean Bandits. I have given ALLSTATE all that they have asked of me. It is now Jan. 21, 2008, and I still have not been paid. The adjuster only works from her cell phone.

I have no recent inventory in my stores, I missed the holiday seasons, and my insurance lapsed on Dec 20th. I was robbed again on Jan. 3rd without insurance. I have suffered mentally and economically. I'm a few days away from closing my doors on a dream I have worked so hard for. It's hard to even sleep with this on my mind every night.

Allstate cancelled our policy after over 30 years being a customer and making only 1 claim. Then they had the nerve to commission a survey and had the survey company ask us questions like, "Why did you decide to look for new insurance."

We had to hurry to find homeowners insurance, and lost our discount on auto insurance so we had to find new auto insurance.

I have 2 homes in St. Louis, Mo., 1 I live in the other I'm rehabing. The area I live in has a very high crime rate and is infested with gangs. On or about Nov. 9th, 2007 outside the house that I'm rehabing I got into an altercation with the gang members standing outside my house selling drugs, they threaten my life. I went to the Police station and filed a report, later on that evening as I went to a store about half a mile away I was ran over as I exited my car. I went to the hospital, there I filed another police report.

Later on that night while I was in my home someone fired gun shots through my window, I didn't get injured, I went to the police station and again filed another police report. The next morning I was awaken by the police notifing me that both of my homes had been burnt down.(complete lose) At the time of the first fire I was still at the hospital. The adjustor questioned my as if I was guilty, even after proviving proff of my where abouts.

Since the time of the fire I've received $800 as an advance. That was in Nov. I have 3 children, Xmas has came and went. My adjustor has been stringing me alone saying that he's almost done. He has lied on several occations. Me and my kids lost everything that we own. All the money I had was wrapped up in these houses, now we have nothing. Iasked for another advanced but was denied. I seen thier attorney,. He basically said I set my own fires.

This summer and fall my roof was damaged during the many wind storms we had in Missouri. When I noticed the damage, I called my insurance company immediately to have someone come out and assess the damage. From the beginning they were rude and unhelpful. The adjustor they sent out came out without making a time to meet with me to view the damage. He complained because he had called 3 times and I had not answered. I explained I had been to a FUNERAL and had called Allstate prior to leaving to let them know this information. He was rude and seemed completely incompetent when he did the walk through to see the inside damage. He showed up AGAIN without calling first with someone to look at the roof.

At that point I lectured him on his unprofessionalism and called my agent in front of him to complain. I was told by my agent that he would have another adjustor come out to view the damage and I would not need to deal with the adjustor that was at my home anymore. I never heard back from my agent, so I called and left a message a week later and the next day a girl at his office called and left a message stating I needed to talk to the claims department. The adjustor, Lynn Brownlee, told me the roof would not be covered at all because when the roof was installed which was 8+ years ago, it was cut wrong. I have talked to roofing companies and home inspectors and they all tell me that is the insurance company trying to get out of paying. Eveytime it rains or snows the roof leaks causing the ceiling to leak and it incurs more damage. I have emailed people at Allstate and called them and have NEVER received a call back from a supervisor. They seem to want to wear people down.

On December 3rd, 2007, our home burned down due to an electric fire and this whole time we thought we had insurance, but we were late on a payment and now our insurance company, Allstate, says they are cancelling our claim and then they excepted a half a years payment for a home that no longer is there. We lost everything we had, 4 dogs, 3 lizards, a hampster, and many fish and frogs. We have three children to provide for and we have nothing. The house is not salvagable. Allstate played phone games with us from the day of the fire and now they say I am sorry we can't help you after being with them for 9 years.

No home for me, my fiance, and three children.

I bought my first home and decided to use Allstate for my homeowner's insurance because they gave me the lowest quote. I closed on my home in September.

It is now almost December and I have just received a letter saying Allstate is canceling my policy because I have "moss build-up" on the roof and that the roof is patched.

They gave me no warning and thus no chance to fix any problems with my roof. I've tried to contact my agent, but no one answers at his office.

My husband has been with Allstate for 15 years and I have been on the policy since we married (about two years). Please bear in mind, never, ever a late payment as we have had it electronically transferred every month. We received our renewal notice in the mail on Saturday, it went UP by $300 for six months. I called the local office, and they couldn't do a thing about it. It was sorry for your luck -- credit report, blah blah blah. Funny thing is, our credit isn't terrible; not the best as my husband prior to our relationship co-signed a loan and the person defaulted; however, we are attempting to settle this particular debt.

There have been no claims on this policy -- EVER. What about customer loyality? I, frankly don't understand how credit plays a part in 1) make your payments on time, 2) file no claims and 3) longevity of the consumer. We ended up with State Farm; they DOUBLED our insurance, and ADDED a homeowners policy (at replacement value not a depreciated sum) and LOWERED our annual cost...the agent said that after 15 years with a company that she shouldn't have been able to touch us much less BEAT the rates hands down.

I had prepayed Allstate for one year of insurance on my home. This was an amount of approximately $3200.00 on a new homein Florida which was a very high rate, in June of 2005. After hurricane Wilma I suffered roof damage. An adjuster came out an I made a claim. The cost of the repair was $1800.00- I received only $50.00 and they cancelled my policy in February. First of all I never received a check back for those months and then my mortgage company quickly put a policy on my home with Safeco at the rate of $17000.00 a year which now is being added to my mortgage.

Allstate canceled our insurance with them after nearly 20 years. They claimed my house had been identified as one that was prone to wind damage. All houses are prone to wind damage. My home is an older one (built in 1963) and probably built better than some of the new ones. Allstate cares nothing about customer loyalty.

We are now trying to find other insurance. Once canceled by an insurance company, no other company wants to deal with you.

In July, 2007 we found water damage in our travel trailer and contacted Allstate to file a claim. They sent out an adjuster who quickly cited improper maintenance and said that the source of the water was rain water which had leaked through seams that were not properly caulked and maintained. I asked the adjuster to show me specifically which seams were leaking, and he responded that unless they took the trailer apart, they couldn't pinpoint. Needless to say, I disagreed and asked for a second adjuster; he surmised the same opinion. When asked to prove his findings, I received the same response but also got a commitment from him that if I wanted to have an RV repair facility tear down the damage (on my own dime) and could show that this was not the case, they would re-open the claim and reconsider.

I promptly took my trailer to an RV repair facility and asked for them to open up the damaged area and give me their opinion of the source of water. One week later I was called and asked to come look at the damage. Their analysis was that the city water system piping had failed at a joint (in an inaccessible area to a consumer) and had leaked water into the belly of the trailer causing the floor to soften. He explained that this leak would have been sudden and was not related to improper maintenance.

I contacted my Allstate agent and asked that the second adjuster (who made the commitment to re-open the claim) be dispatched to inspect. Instead, they dispatched the first adjuster who took over a week to come to the RV repair facility. He immediately told the technician that he had already made up his mind the first time, and nothing that he would see would change his mind. Allstate once again denied the claim and sent me a letter stating that the second inspection confirmed the initial inspection, and that the RV repair facility agreed with their (Allstate) position.

I contacted the RV repair facility and asked, and was informed that the technician told the adjuster just the opposite: it had nothing to do with improper maintenance. So, here I sit, a loyal (not anymore) Allstate customer for 19 years with a $4,500 repair bill that I think should be paid by Allstate. I think that Allstate has acted in an unethical and deceitful manner and should settle this claim.

The subdivision I live in was hit by a freak hail storm in 2006. The roofer (a reputable firm) said there was hail damage. The Allstate adjuster said there was none. Claim denied. This last week my roofed leaked into the bedroom, damaging drywall, carpet and wood. The local Allstate rep told me to have the roof fixed as more rain was on the way. I did. It took the clowns at Allstate over a week to get here. The adjuster was condescending and told me it was due to poor maintenance (house is upscale and only 5 years old). She said the flashing damage was considered maintenance. I have been with ALLSTATE over 30 years with NO CLAIMS and this is how they treat loyal customers. I am canceling. They are cheaters and liars and deserve to go out of business.

On 8/23/07, when we arrived home, due to seven days' heavy rains, our celing fell in (a portion of the dining room and an even smaller portion of the kitchen).The contractor who came out to temporarily stop the leak stated that when he went up on the roof that evening the wind and rain were so strong it was lifting up the tiles causing additional damage. He was there when the storm was going on; it seems as though his professional opinon would count for something. When the adjuster finally came to our home (in September), he looked everything over and told me that Allstate would cover the entire roof. After leaving my home, he called back and said that he was going to talk to his supervisor to come back to our home. The adjuster and his supervisor came back, and they did not want to cover the entire roof. They said if the contractor would come back, climb on the roof, and show them which tiles were blowing up then we will cover the whole thing. The contractor did not comply so my wife and I have to suffer for their disagreement and personality conflict. This contractor was called after making several attempts to get someone from Allstate the night this occured. We do not know this contractor, and due to the way this was handled he will not be the one getting this work when we do have the roof replaced. We are also questioning Allstate's commitment to thier clients. Please tell me, what is the point in having insurance, if you cannot get the money when something happens? Neither my wife nor I are roofers. We had no idea that anything was wrong with the roof, we had no leaks, nothing. We received a very small check from Allstate for repairs (very minimal), have a $750.00 deductable, and the emergecy service was $750.00. How are we supposed to get the roof repaired? I think that it is all a sham.

This situation has put us under financial distress. Our carpet had to be thrown out (we received a cleaning fee). We already paid additional fees for flood damage and sewer damage. Thank God we were not home at the time, so nobody was physically hurt.

Allstate isn't even close to a proposal that would repair our house back to the way that it was. Here it is 6 months later and the construction hasn't even started on our house. Yet, we are still having to pay our mortgage, hotel, and full insurance on a house that we can't even walk in. Allstate has financially and emotionally turned their back on us.

On June 3, 2007 the tree belonging to our neighbor came crashing down and landed on top of our car. Both the Hyattsville, MD police and the Department of Transportation were called and I was informed by both that the home owner should be held liable for the damages to our car.

Allstate said they could not be responsible for our claim because the tree had been toppled by the wind. I explained to her that the damage could not have been caused by the wind. They told me, I am closing this case out now and am hanging up on you, because we are not going to pay your claim, and abruptly hung up on me.

I received a letter from Allstate stating that they would not renew my policy because the 2004-2005 hurricane season was devastating and since I live on the east coast, they expect similar destruction.

20 years as a loyal customer who never filed a claim and all of a sudden, I get the boot. Has Brooklyn, NY ever really been hit by a hurricane?

I've been with ALLSTATE home and car insurance since 1996, unfortunately past two 2yrs I made 2 claims with Allstate, first was a storm which knocked over my fense and they send me a check for $280, then the second claim was when my home was burglarized last Christmas. 11 years with ALLSTATE with out any complaints until the past year, they decided not to renew my home insurance. I don't know what type of policies they have but I do think this was very unprofessional to their customer for the past 11 years.

Canceled homeowners policy because my home was built in 1870. The house looks old but built better than most homes that are new. Its been around long before Allstate and it will be still be their long after they have gone outa business.

I put in a claim for my garage that was damaged by a tree from a storm. I was told that I would get the full amount of the insurance within 5-7 days. It has been a month and a half and I still have not received the check nor any explaination as to why it's taking so long. I don't understand how insurance companies are able to get away with doing this horrible thing to the people who pay their insurance every month.

The damage was to the garage of my home. The garage is detached but the structural damage is unrepairable. Right now it is lingering in my backyard with all kinds of rodents and pest beginning to house themselves inside the damaged garage.

Our house burned down October 17, 2005. Allstate investigated us and has treated us like criminals for six months. They finally concluded that we had a valid claim about a month ago. We are still waiting. We have had to camp on our property for six months because we are still making our morgage payment of $800.

How long can an insurance company make you wait for what your intitled too? Its been six months of living like refugees of a war.

The Agent of Allstate has not handle my policy payments in a fair and just manner. They state that I did not pay for Februay and January, but I have sent a copy of the payments that were made on these dates. Now they will not accept my payments for the following month, until they check my records accordingly.

The agent of my account will not return my calls, nor will she handle discrepancy on my account. The agent helpers are very incompetent as well, giving me erroneous information.

I had a new shingles put on my roof and about 2 weeks later we had a thunderstorm with high winds. The winds lifted the roof and broke the seal on the soffet, moving the roof east about 2 inches. The adjuster for Allstate said the roof moved because the shingles were replaced. They also would not repair the brick damage.

I had a construction company repair the damage for $2900 and the contractor said it was wind damage, just as I decribed above.

You are NOT in good hands with Allstate!

Even though I was out of state at the time of my house fire, I found out I was GUILTY until proven innocent by Allstate of setting fire to my own home! Allstate denied the claim asserting that I had reason to start the fire because I owed back taxes, or that the fire was started by vandals. The amount of the claim is over $600,000.

I have had to file suit against them with an attorney who's main practice is based around Allstate lawsuits. And since I initiated the suit, I have been dragged into over 27 hours of depositions by Allstate. My family and friends have also been harrased. It has been a year and a half since the fire and will be at least another six months before this goes to trial. My lawyer thinks Allstate will probably try to settle for half the damages.

I had storm damage to my roof and ceiling. Now the Allstate adjuster claims to have lost all pictures, data and information concerning my claim.