Allstate Homeowners Insurance Reviews

We have structural damage inside and it is even clear from the ground there is significant damage to the entire roof. Also, we have wind and hail damage from the same storm where the tree fell and we had roofers submit over 80 pictures of the damage to warrant a new roof replacement. Allstate is refusing to budge. In addition to this, they are refusing to pay the contractor fee for the tree removal part of the claim because he "didn't use more than three subcontractors" although he did a significant amount of work and AFTER Allstate told us to do what we had to do to get the tree off ASAP and get the roof covered. We will continue to fight this no matter how long it takes. Wish I would have talked to people before selecting an insurance company because every professional I have spoken to after this disaster has said Allstate is known for pulling stunts like this. I will be switching insurance policies ASAP!!!

So we contacted roofing company, they came out and they said the same as the inspector. Opened up another claim and they sent someone else out and denied it again after we had a second roofer come out and agree to meet with the inspector Allstate sent out. Needless to say Allstate will NEVER again have our business and I will be posting this review everywhere I can find and telling anyone I know. This just blows my mind. Unbelievable. Shame on you guys.

Homeowners if you have a hail storm and the damage is justifiable and your initial claim gets denied on the first inspection do not go to reinspection as Allstate will just deny it again. Go directly to appraisal with a public adjuster to beat them. Very sad how they take all this money in but don't pay out anything. Then when you win in appraisal and get your new roof cancel Allstate and go with another insurance agency. Hope this helps homeowners who have been abused and battered by Allstate. Stand up for your rights.

The Allstate rep called me two weeks later and said that there were only 5 damaged shingles and that the cost was less than my deductible. I told her that I had my own pics of the sections of shingles blowing up and she said that they were designed to do that and would lay back down in the sun. I think she actually believed what she was saying. I again told her that the shingles on the entire length/edge of my house had blown up and were damaged, along with damaged and missing shingles in other places. I went back and forth with her saying that I only had a few that were bad on the whole roof. She talked to me like I was stupid even though it was obvious that she had no idea about the construction of a roof. She also told me that the inspector noted bad decking in places, but that it was not covered because decking is not part of a roof. I don't know what she thinks it is part of then.

It was a fairly long conversation and her story kept changing about what the damage was and what was considered a roof when it came to coverage. She got mad when I said it sounded like Allstate was trying to lie about the damage to get out of covering it. By the end I was so frustrated with her that I was ready to hang up. She then told me that if I disagreed on the damage, that I could have my own contractor come out because "they frequently find more damage than the inspector".

When I pointed out that if the inspector frequently missed damage that often, then Allstate was aware of the issue and it was obvious that Allstate was trying to rip off their customers and failure to pay for the coverage. Again she got mad and said that she was here to help me, and again her story changed as to what was damaged and what was covered. I gave up on getting anything but excuses out of her.

As expected, the roofing contractor I had come out found so many damaged shingles that he said there was no repairing it and the roof would have to be replaced. No bad decking like the inspector noted. He said it was a slight dip over the carport, which was common over carports. Maybe if Allstate hadn't sent a kid or if he had bothered to look in the attic, he would have known that. As soon as I said I had Allstate, he shook his head and said that Allstate did this to every one of their customers he'd dealt with and then did everything they could not to pay. I was warned before I went with them and should have listened. Maybe someone will read this and not make the mistake I did.

The claim,**, is already on my claims report available on CLUE. Because of DAVID **’s last mail and email communication on case **, that continued for several months, contained language with no resolution, I thought my previous claim was denied and that was the reason for other companies denying me insurance. I was never informed of the resolution by Allstate and yet when I inquired about it, JENNIFER ** and DAVID ** of Allstate Property created or helped creating a repeated claims record that LexisNexis Personal Reports informed me in 2017 with following details: Date Created: 2019, Date Last Updated: 2019, Status: Solved, Escalation Due No Value.

JENNIFER sent me an email with language, that my not being able to secure any other insurance is none of hers or Allstate's concern. To demonstrate the same, these individuals chose to create or help create a fraudulent claim record on my Social Security in 2019, even though I am no longer a customer of Allstate and I only inquired about my past claim on my record and expressed my frustration that I was neither informed of the resolution nor I could get other insurance because of their claims record.

For asking information they should have given to me by themselves in the first place and for expressing my frustrations, they chose to personally attack me by tarnishing my claims records by creating another entry. Attached document shows I never made any claim on insurance for them to make this claim on my records. This is misuse of their powers and tarnishing a previous customer's claims report. I have filed a formal complaint with all evidence to consumerfinance.gov.

Original review: I made a valid claim on renter's insurance policy bought from Allstate. Allstate claims representative, Mr. **, yelled at me over phone that the security deposit is never returned to the renter and that I bought the lowest premium renter's insurance from Allstate. He completely discredited the Allstate product on the phone and took no responsibility. He never contacted the landlord or the property manager to get any more information. Now this claim, as a risky claim, is on my credit report forever. I can no longer obtain any renter's insurance or homeowner's insurance.

How can I be a risky applicant if I am sent a proper written document by the property manager at the time of the move-out? The Homeowner Association, landlord and the property manager reported a written incidence of damage and have held $950 from me and this is the amount I paid from my pocket. The fact that Allstate couldn't do its job by saying that a working number of the landlord and the property manager didn't get them connected, has nothing to do with my being risky. It's just gross incompetence of their team.

I cancelled all transactions the same day and did not sign the docs. I questioned the whereabouts of the inaccurate info and the agent kept saying it would not change the price. I'm not concerned about pricing when data is incorrect. I will never use Allstate again due to this. Allstate never acknowledged any wrongdoing for baiting the price and switching the terms as if I would not read the docs before signing them.

After I explained our frustrating situation our local agent in California contacted the claims department on our behalf. To my surprise we got a call right away from Ms. ** on Saturday 2/9/19. First time speaking with her I felt confident we were in the rights hands. However, after we hung up what she had indicated to me did not happen. I gave her until Monday 2/11/2019 then I reached out only to speak to a voicemail. A day or two later I get a call from an adjuster to schedule an appointment. On February 14th, 2019 the adjuster comes by, takes pictures and informs me that by next week the claims department will receive his report. The week goes by and no call back from Allstate Agent Ms **. I call and had to leave a voicemail.

The next day I called again and to my surprise she answered. After I gave her our claim number and gave her a recap she was unclear on what I was talking about. I informed she never emailed me like she had previously indicated. However, I informed her I had gotten her email address from her voicemail. She indicated to me that she believed she did receive the pictures I had sent her through email however, she couldn’t find them at the moment. The adjuster’s quote was under our deductible amount. So once again our claim was dropped. It seems like homeowner needs to experience a total loss to file a claim!

I gave Logan all the information about my home. I told him it is about 2200 sq ft tri-level with 5 steps from the lower- garage level and 7 Steps from the kitchen, living room area to the bedrooms: the lower two levels are brick veneer with stone in the front, upper level is frame. I told him the basement was a daylight basement with a wall of windows 4 ft from the floor on one side. He insisted it was 1400 square feet, two-level home, a split-level according to the public records. I described everything about my property; the size of the property, the fencing, porch, everything. He gave me so many discounts that allowed me to have such a great rate including automatic pay for my checking account which was an additional $72 discount.

Logan explained If I paid with the credit card or a check that discount would be removed. So I gave him my checking account number with instructions not to take the money out until December 28th since my policy was not due until the 29th. Lo and behold he took over $2,200 out of my checking account on the 12th of December. He also asked me to fax the Defensive Driving certificate to him. I did and requested him to call me when he received it. I never received that call from Logan. I started receiving messages from Joseph ** Allstate company Hoschton GA 30548 (Winder) threatening to remove the discount if I didn't send in the certificate. That was the first time I realized that I was put with a company 66 miles away from my home in College Park Georgia. I called Logan about it. HE never returned my call. I finally got the secretary who said that the certificate was in the file.

After that it was just one message after another threatening to remove a discount for some reason or trying to get me to sign up for something else. I finally wrote headquarters with a complaint and requested to move my policies to an Allstate 4 miles from my home. Feb 25, 2019, I received the letter from Allstate headquarters stating after the home inspection, I owe an additional $730.34 on my homeowner's policy from December 29th, 2018 to December 29th, 2019. They also increase the square footage to my home to over 2,500 square feet by adding the garage as part of the living space and overestimated the replacement value of my home to almost a half a million dollars from the original correct $304,000 replacement value.

Logan put all the wrong information in the system intentionally to get my business from my original insurance companies. Logan wrote that my home was a one-story 1400 sq ft concrete block home on a slab with no crawl space. Plus, a lot of other fictitious information. The home inspection came back with almost the exact information that I had given Logan. Had Logan put that correct information in the system, my quote may have been $1,651.86 for homeowners insurance and I would not have changed to Allstate.

I tried to call Allstate at the number that's on this statement, 1 800Allstate to have them pull up the conversation tape that I had with Logan and to find out all the things he had put in that original quote to get my business. I also wanted to cancel my policy with them. The 1-800Allstate phone number is not a number you could talk to anyone. It's a recording trying to sell HEALTH ALERT SYSTEMS and other things including roadside assistance. Then it disconnects when you do not want those services. No one comes to the phone to talk. I could not cancel my Allstate policies last night. Be aware of Allstate Insurance. Now I have to try to get my money back. I purchased insurance with Geico for auto and home. I had two insurance companies until I could get my Allstate insurance policy cancelled.

I was and still am shocked by this blatant and outright lie. She proceeded to tell this lie to Mesa police officers. So if you're thinking about getting insurance, you might want to go somewhere where the agents don't lie to avoid responsibility. If this type of behavior is what you can expect from an Allstate agent, maybe call Geico or State Farm, because clearly bald-faced lies are acceptable at this office in order to deny responsibility. Isn't that what insurance is all about? This happened around 4 pm on Wednesday February 13th at the intersection of 3rd Street and Dobson. If anybody happened to see anything please call Mesa Police Department and make a report.

Also I've been attempting to contact Allstate corporate offices as you would assume a company with such a good name and reputation would want to investigate this, but as of yet, no one has responded. However if the company itself does ever decide to step up and take action I will be sure to let everyone know. As for now I'm out of work with an injury from this accident. Even though I'm not an investigator, I've got nothing better to do than scour Mesa trying to find somebody who saw this. You would think Allstate would want to do that to weed out dishonest agents and clear their name but as of now it's clearly up to me.

Then Allstate set up another inspection a week and half later. The claim was denied again. The first adjuster denied the claim by arguing that the water leak is not big enough because he did not see water in the kitchen. He claimed that the water leak was a long term seeping. But then I said that the water went down to the garage right below the dishwasher because the gravity.

The second adjuster obviously saw my argument and that I made a valid point. He then changed the focus to the wood below dishwasher and insisted that the water was slow seepage over long period of time because he can see the wood is rotting. He was trying to take a picture using his phone behind the wall while the light shoots from the window. The pictures looked dark and moldy. Imagine you take a picture of person who faces away from the sun. The face is going look really dark. Anyway, two adjusters tried really hard to find evidence to fit to the insurance policy of Allstate: long term water seepage is not covered. So my claim was denied by two adjusters with two different reasons.

Lesson learned from this experience: Don't go with Allstate. They always try to deny your claim based on the policy of long term leaking not covered. Don't use their online account. All the information you submitted or they posted can be removed by their will. You will lose the important information for your later on litigation against Allstate. The photos they took can be modified by computer and look really bad. Take your own photos in case you need to go to court. Communicate with them using paper mail or email. Keep all the information or document for yourself. My claim was denied but Allstate still has not provide me a detail letter with reasons. I cannot file a complaint with State Department of Insurance without the letter. So they are playing a "denial, delay" game with me.

I called numerous times and followed up via email with the agent and to date nothing! Each time I called, I was put on hold for five minutes or more and then told that the inspection report is being reviewed by the underwriter. Obviously Allstate knows exactly what they are doing. Based on the reviews so far, it looks like they are trying to get rid of older properties. They are shady and unprofessional. There needs to be some tighter regulations to keep them in check. They should not have the right to cancel your insurance like that. Go with another company that has some integrity! I don’t recommend them—stay away!

They claimed the damage was due to lack of maintenance! More than a year later, independent engineer was hired by Allstate and he noted that the damage was caused by the water and snow not lack of care! To date, two years later, we have received less than $10,000 for repairs. We don't have enough money to replace the carpet or furniture. The bedroom remains unusable! I have been transferred to at least 8 different departments and each department doesn't know what the other one has done. It is so frustrating! My mother has carried insurance with Allstate for more than 50 years and has never made a claim! STAY AWAY FROM THIS COMPANY! You are NOT in good hands!

Fast forward six years. My wife and I are still the safe and cautious people we have always been, still claim free and living a modest life. Our homeowner's policy had increased well over a 100% by this time. My agent explained that was because so many other people are filing claims. Still in the 6th year with Allstate, we had a very bad storm come through our town, and it appeared to damage our roof, as some of the shingles were standing straight up. My wife and I were clueless about insurance claims, so we called our agent to point us in the right direction. Remember, this agent has been smiling and offering birthday wishes and holiday cheers for six years. She immediately started persuading us not to file any claim, that our deductible would be more than what any "roof damage" may cost to repair.

OK, she's the well-trained agent, we should follow her advice. Coincidentally, about a month later, this very grungy young man was pounding on my door, sent from Allstate to do a physical exam of my home and property. About 3 weeks later, our homeowner's policy was canceled because this very scruffy, unprofessional boy reported to Allstate that we were a liability because we needed a roof and a new pool liner. So, we had paid for six years and when the time came that we may actually need them, their well-rehearsed operations go into full effect. This was a six-year profit for them. You have to wonder just how many decent, hardworking clients they do this to, and after reading a few complaints on this page, apparently far too many.

In reality, YOU are the insurance provider and Allstate the customer will find many ways to collect more money from you every year. They are the criminal liars that make the claims and are constantly finding ways to collect money from you, and this is an endless process from them. Anyway, being naive fools, we immediately found another homeowner insurance company to cover us, but we kept our auto and flood insurance with Allstate, mainly because we didn't want the hassle of changing to a new provider. (I work a 12 hour, nightshift job and my wife was going through chemo.)

Needless to say, that was a HUGE mistake. Please refer to the Auto insurance complaints page to read about the horrors Allstate has inflicted upon us...and we are still absolutely blemish-free with our driving record. I pray to God that one day the right person will read these complaints and do something about Allstate. These people are absolutely committing criminal acts and are getting away with it.

I again asked why, if they insured my home for 15 years with the tree, why would they now, not insure the home. No one could answer me, and it felt as if the decision was arbitrary, and without explanation. I contacted GEICO who readily insured my home and discovered the Allstate had been charging me almost 3 times the insurance rate, for 15 years. GEICO provided better insurance coverage for a 1/3rd of the cost. I am writing a letter to the insurance regulators in my State about the issue and to inform them of Allstate's practices. Caveat emptor!

So basically I'm not a priority to Allstate. Thanks. The adjuster made a rude joke about in-laws in front of my husband and GC, which made us all cringe. He told me no hail damage and my roof had blisters that are like pimples. 4 GCs were on my roof and confirmed hail damage, the GC I chose is also an adjuster - he was flabbergasted by the report so we submitted a rebuttal. 10 mins after getting the email Allstate said they considered the claim closed and wouldn't be able to assist me. We have now found more damage from the roof and where water was coming in that wasn't immediately clear. Allstate is NOT where you're in good hands - they are THE WORST. Over 13 years with them and I left immediately.

Upon contacting Allstate by phone they had no letter they could send me with our address, they sent me the letter they mailed to our agent. This placed us at a terrible disadvantage in obtaining new insurance. We now have to obtain a loan and replace our roof to obtain adequate replacement cost insurance instead of actual cost value minus depreciation. In researching this issue, we have found that it is a widespread issue with Allstate with many consumers having this same complaint. They will only cover repairs not replacement. We are now warning people not purchase Allstate Homeowners insurance.

I called the agency for help in getting my refund and found that Ms **'s son has left the business and very quietly she has sold the agency to David **. The receptionist in the office says that Burns and Wilcox won't send them my refund until other policyholders from this agency, pay they premiums. This makes absolutely no sense. It's my money the agency collected. I getting the complete runaround. This has been going on for 90 days.

I like my personal agent but when use different areas of Allstate they sometimes send out contract employees to do some of the work and those people are pushy and can be very annoying. That I do not like. For instance we got life insurance and the lady kept calling my husband over and over to set up an appointment and would not take no for answer when we already stated I would not qualify for the insurance she wanted us to obtain because of my health. She just did not believe it. And when she came out she saw that we were correct and never once apologized but gave the impression that we inconvenienced her. I called our agent the next day and explained the situation and he apologized for it and stated he would let the company know.

I chose Allstate because it gave us the best rate and we could bundle all of our other insurances into one policy which saved us even more. It was also the only one that we could use because of a new policy under mold that Allstate was not requiring on new homes. We had just purchased a new home and Allstate was the only one willing to help us. And we were closing in one day and we could not close without proper insurance. And our agent said, "Not problem. Email me the information." And they had all the paperwork completed in a few hours and were able to close on our home as promised.

Being a male, I also don't take long showers. So, once we knew our problem we contacted a plumber who crawled into the vanity and through the hole and because it was not leaking (master shower not in use) he had us run the water. We ran the water and again it took some time and only when we pulled on the tab on the downspout to activate shower the plumber found the problem. The fine mist of water is why it took so long for any noticeable damage as stated by the plumber.

I contacted Allstate (my insurance company) as instructed by the plumber and Allstate sent an agent who arrived in a few days. After looking at the damage he related that they would not be covering the damage because the leak have been going on for a period of time. Of course it took some time, Hello? If it happened between the walls and the fine mist only occurs when the master shower is in use and hidden between a vanity and a tiled shower wall in the master bathroom, I believe it will take a long time before any noticeable damage. Needless to say they rejected my claim. I will be conversing with other insurance company after we repair both bathrooms.

My husband was on the phone with our agent last week to add our 4th car to our auto plan, not one word about a policy change or increase was mentioned during this call. My husband also asked about discounts because we have so many policies, and was told there is nothing they could do. He then asked the question about our snowmobile policies, do we need summer coverage since they are stored? This question was answered with a question, don’t you need to have year round coverage? At this point he was annoyed and said to leave the coverage for now. How do we trust a company that advertises you are in good hands with Allstate, when we are being taken advantage of. The time investment I now have to spend shopping for new insurance coverage; trying to get my accounts refunded and writing this review for other consumers will never come back to me.

This is an inconvenience to my family, but I hope I can help another person from this same circumstance. The worst part for me is, I have done my part as a consumer and paid every single bill on time, it’s auto drafted from my account, only to be taken advantage of. I have been a loyal customer during my time with this company. When I asked about my first increase I was told that due to recent weather events across the country all customers can expect an increase and that all companies are doing this. I thought at the time, this makes sense because I had a recent claim, but then I went back in my statements and the increase happened before I filed my claim. I am not in good hands with Allstate. I have been completely taken advantage of. By tomorrow I will have another insurance company, I can only hope to find one that is not this dishonest. My faith and trust is completely lost for Allstate.

Being a little hotel the 4 worker are all title managers and of course they will cover for each others. I even believe some of them are relatives. Then here is the most important part. The claim adjuster was so rude he be-little my character. Please in the future it will be helpful to ask your Allstate claim agent to not come up with conclusion, if they don’t know both sides, or have facts of any occurred situation. Please pull the surveillance camera that’s all. Then the final estimate that I was given for repairs was a joke.

The contractor laugh when I showed him the estimate, first it took over one month to hear back from an Allstate agent, the claim was reported 8/17. It’s 9/19 I not yet received anything. The new adjuster said they should finish fast, then my personal item that got wet they said it cannot be priced so there will be no replacement cost for the toys it's insane, please that’s not the standard treatment from Allstate. They advertised great customer service great guidance, My experience is none of the above, My claim.

If they are this dishonest in the beginning I can imagine how dishonest they would be if you had a claim if something happen. Some lawyer should file a class action lawsuit on them for false and misleading quotes to get you to be tried to pay 600 percent more. I can see a double in amount, but 600 percent. Come on now. I would suggest anyone who has them to do a check for cheaper insurance. I think you will be surprised. Imagine saving 600 percent with a company that isn't a 1-2 star review rating. Numbers show. Dump them and save. What's in my pocket they say? $2100 savings by not signing with them. Wow. And after you switch from them tell your friends and family how much you save and how much they are overpaying.

When I called to get clarification, she was rude and didn't stop making excuses and berating me for at least 5 minutes. I finally got her to stop talking for a moment and told her that the condo insurance simply needed information. She was snippy and said they have all they need. I know that Allstate is in the business of making money not paying claims but they could at least pretend to care about customers. They don't even have a pretense of caring. I cannot get hold of the claims agent anymore and even the condo insurance agent can't reach her. I've been paying for homeowners insurance for decades and have gotten precisely ZERO value from it. Do yourself a favor and go to a different insurance carrier. Hope you can find one that actually provides some value. In my experience, Allstate does not.

Upon talking to the investigator on August 22 stating that there was a call to his supervisor and he stated that calling on a conference call to the Hotel would be sufficient to prove my whereabouts he also agreed that that would be sufficient. The call was placed on August 24 on a recorded conference call with him on the line and on the recorded phone call the Supervisor of the Hotel in Los Angeles verified my whereabouts at the time which then verified my whereabouts. I am baffled at the fact that I have been calling him and his Supervisor since Wednesday evening August 29 and have not gotten a callback.

As of today September 4, 2018 my claim has not yet been approved when the Supervisor as well as himself stated that the conference call would be suffice if the hotel verified my stay which they did. After my whereabouts were verified he moved on now to something else. He asked about the flight and I am baffled to the fact of him the investigator asking how I got to the Hotel in LA which has no bearings on my claim on how I got there as long as my whereabouts were verified which the Hotel has already verified to him my whereabouts. I asked that my claim be approved based on the information provided by the hotel supervisor verifying my whereabouts.

I am not getting any returned phone calls from either of them and I have called for the past 2 days and so has my agent whom I informed about this situation and said that I would be cancelling my insurance due to me feeling targeted against and treated very harsh and the unprofessionalism that I am experiencing with Allstate, My Agent stated that he would try and call the person and his supervisor to try and rectify the matter before I cancel. I still don’t have a approved claim. Still waiting.

The first time was in 2010 when, after a loss of a job, Allstate raised my rate because they said that my husband's credit rating dropped, again I should mention that we had never missed or made a late payment. I guess they either considered us a risky client and/or were looking to make some additional money. It is very clear that Allstate does not want me as a client, I just wish I had made the decision long ago to drop them as I have since found a new homeowners at almost half the rate that Allstate was charging for the exact same coverage. Additionally, I thought I would share that when I received the non-renewal letter, I contacted my agent who openly stated that Allstate is weeding out homeowner's policies.

They are making sure to drain my energy and time so that I give up, which I will not. They don’t return my calls or email respond on time. I am chasing them almost every day and they respond once in a while. They make all sort of excuses to deliberately delay the case, sometime their adjuster forget to upload something in their system so it is waiting on somebody else in the department to review and approve and I have no control on knowing what the process behind the scene is. Their estimate to do complete siding job for my house is $3,000. While the cheapest estimates I have gotten from contractors are in $20,000. So when it comes to pay they will pay you peanuts. I wishes I knew all that and have switched to a better company.

I called the Allstate claim line and one of the first questions asked was if we needed help and I said yes. They said that help was on the way and we'd have a call from an emergency water cleanup team within 2 hours. We were way in over our heads and this was such a relief to our ears. 2 hours later we got a call, but not the one we were expecting. Allstate called back and said that no one was coming. I asked why and they said until responsibility for the damage was established, they wouldn't be sending anyone.

I needed to upload the HOA's covenants and insurance policy and they would be assessed on Monday. This was Saturday and my kitchen is covered in sewage. Every minute that went by was causing more damage as the sewage soaked into the subfloor, walls, and swelled the laminate & cabinets. I had no choice but to rip up the flooring and do my best to get the sewage sucked up. This was horrible and nasty work that I wouldn't wish on anyone.

Monday comes and nothing. No call from Allstate, no e-mail, no update in the online claim center. Midday I call my local agent and ask for help. I'm asking what to do, what to document, when an adjuster will be out. They're more or less helpless as it is being handled by a claims team in Kansas City. Tuesday morning comes and I finally get a call from a water recovery company that says they'll be coming out near the end of the day. I and my wife continue to strip the soaked kitchen and take pictures along the way showing everything. By the time they arrive with a crew everything is out of the kitchen down to the subfloor. They look around, snap a few pictures, and test for how wet things are. Yup, they're wet and all they can offer at this point is to leave a dehumidifier with the warning that Allstate has authorized no payment to them, so the bill is mine.

I call and leave messages for the claims team, but no response until Thursday morning. Claim denied. What? No adjuster has been there, I have provided no pictures to Allstate and nothing more beyond the initial claim. I protested, how could they come to this conclusion with no inspection. The person on the phone stated that they looked at the pictures from the water recovery company and determined it was not a covered claim. The rationale was that there was some mold behind the cabinets, so the water damage was an ongoing condition and the flooring was already damaged before the flood. I argued that there was no mold on the laminate, under-layment, floor, or subfloor and I had the pictures to prove it. She wouldn't accept the pictures and said that an adjuster would have to come out to inspect. Great! Send them out. Ok, they'll be there in a week.

Can you imagine what it would be like to live with a kitchen soaked in sewage for nearly 2 weeks? I begged them to come out sooner, but she refused. I told them that I couldn't be without a kitchen for that long and had to continue to work on the kitchen as we had to have a place to live. They said there was nothing they would do and the schedule is the schedule. I agreed to the appointment, but told them that all there would be left to look at then would be pictures. She then summarily closed the claim.

I escalated to her supervisor and he was no help. He said the claim was already closed and would not be reopened because I refused to allow an inspection. I told him that was a lie and I would meet the adjuster, but there would only be pictures to review by that time. He said that was the same as refusing. I asked if this had happened to his own home, would he leave sewage soaking for 2 weeks while waiting for an adjuster to show up? He said no, but that was what he was asking me to do.

My local agent assessed my pictures and agreed that the mold and the water damage were two different incidents. He escalated and tried to have the claim reopened, but after a full month, the response was if the damage couldn't be inspected, the claim would remain closed. I'm not as upset about the claim denial as I am the lack of service that I thought I was paying for. I always justified paying the higher premiums for Allstate because if something big happened, they'd be there to help. The only thing the "good hands" at Allstate are for is collecting your premiums. Prior to this incident I had been an Allstate Homeowner customer for 25 years and had never had a single claim. This is how Allstate treats their long-term customers, look for other reviews with similar stories. I won't be a customer for much longer.

I received a frantic call from my mother who had been watering her plants in the backyard for 30 minutes or so, when she entered the house again and within a few steps found the kitchen floor wet and looked up towards the bathroom where the water was coming from. Sewage water reaching what looked like to be the edge of every room! She ran back out of the house and called me, upon which I had to leave work. I arrived to a disaster. I too was only able to walk in but a few steps from the doorway to find sewage water everywhere and immediately turned off the water and started to research plumbing companies on Craigslist, as it was obvious the toilet was overflowing and toilets are a plumbers job! I thought I handled the situation the best I knew how to.

I made sure the company I found was licensed, insured, had good reviews and was family owned. They arrived to the house and after investigating everything stated that this was an issue that their joint restoration company would handle. They too arrived and immediately started extracting the water, taking pictures and demoing. They also moved our furniture and such into a pod in our driveway so as to minimize the damage to our personal belongings as the water was wicking everywhere. It seemed to me that they were doing a great job handling everything beautifully and efficiently!

Upon welcoming the inspector with a smile and a handshake into our home, I was reciprocated with an unprofessional, rude, and cranky man who portrayed an attitude of arrogance and negativity. He showed nothing of your acclaimed motto, that we were ‘in good hands,’ as immediately he began to interrogate me and criticize every aspect of our situation. I was given no reassurance, no compassion, and no empathy for what has happened to the home that has housed our family for the past 39 years. I made it clear to him that this was our first time ever dealing with an issue like this, and for that reason we really didn't know anything about it. Yet he continued to speak to me as if I should have known what he was talking about, accusing me of handling the matter wrong and not asking enough questions.

I respectfully told him we handled this issue the best we knew how considering the circumstances- like how for example my father was murdered 20 years ago on August 2nd, 1995 right in front of my mother, hence there has not been a man of the house- who, in this household, was the person who handled matters such as these and knew the logistics in matters such as these. Not only that, but my brother was then murdered 13 years ago on August 5th, 2005. Two tragedies that my mother and the rest of the family have to deal with for the rest of time, not only through the loss of their lives, but also through the loss of being equipped with the knowledge of what to do in situations such as these.

We have gotten through life without them as we have had to, but it has been anything but easy and usually we end up spending money we don't have for such services. Our experiences can be summed up by mostly having been taken advantage of financially and left with poor quality work. My mother has in the past few years survived breast cancer, as well as a stroke. I being the only one left she can rely on, have exhausted myself in trying to make sure that I'm there for whatever she needs as the pain that this family has been through and continues to carry forever is excruciating enough. I'm scared for my mother's health, and stress only adds to her possibility of another stroke and more health issues. She lives alone, and gets depressed easily- left with her thoughts as her only companion.

It's pathetic how her insurance company, to whom she has been faithful to for decades, specifically, YOUR company that is in place to insure her, YOUR company which, by YOUR classification as her ‘homeowners insurance,’ should represent one of assistance and support to her, as a company supposedly on her side, has made it clear by YOUR employees’ actions that you are not on her side, that you are rather here to interrogate our problem solving ethics, with obvious self serving intentions in not approving our claim in the manner which the inspector did, as quickly as he did, without having even seen any report from the plumbing/general contracting company yet.

I explained I was who was handling the matter for my mother who doesn't speak nor understand English well, and who appoints me to help her with all her needs. We are talking about a woman who has never and still does not drive, who only knows how to use a landline to communicate with people, who uses an iPad just to play games her games on, and who relies on myself for everything else be it appointment setting, medication taking and refilling, reminders to shower when I am present in the house, transportation, grocery shopping, laundry and the upkeep of her home.

I made it clear to the inspector, I was the one with whom he needed to speak, as I was also the one who made the claim- a claim your company gave me a claim number for per my call, during which, not once was I asked to hand the phone to my mother for permission to speak to me, nor was I asked at that point in time for any signed waiver from my mother to allow your company to speak to me. Instead my call was accepted and I was given the claim number on which your inspector was dispatched to our home.

Considering all this, and considering my obvious concern and continuously stated concern for my mother's health, I'm not sure why your inspector proceeded to demand to speak to my mother herself, who I had to do the translating for anyway! I repeated again, that I was keeping my mother from going to the other side of the house where the work was being done, because if she sees the house in the manner that it is, she will become unglued. She did not know the details of what was going on on over there, yet your inspector then not only started interrogating her but told her all the details of the condition of the house in its current state, asking her why certain things were removed, and rudely stating that she is going to have to pay thousands of dollars to fix the problem.

He completely neglected to take my pleads into consideration, and my mother's health into consideration. That is and of itself complete disrespect on his part. It is rare that my mother cries in front of anyone let alone strangers, yet when he got done with her she was in tears! This employee of yours left us in shock, left us feeling confused, abandoned, disrespected and taken advantage of after how loyal we have been to AllState for near 4 decades of payment and we are ready to fight this in the name of justice until justice is served, because not only has your company been unprofessional and unethical in helping our misfortune, but your lack of respect, consideration and customer service skills by not only your inspector but your supervisor is uncalled for! It's just not right.

I contacted AllState again on August 6th, requesting to speak to a supervisor regarding the horrible treatment we had experienced with the inspector. I had to leave 2 messages that day as he was on the field. It wasn't until the next day when I called again in attempts to reach him, that I finally got through to the supervisor. He as well employed the same cold cut manner in which the inspector had. It became obvious that their foul attitude and rude personalities were due to the fact that they did not want to cover the expenses it would take to fix my mother's home.

How dare your employees be so blatant and concerned about nothing more than the finances in this matter! I received a letter in the mail the same day, which stated our claim was denied. I don't believe the way your company is approached this matter nor the way you handled this matter was appropriate nor just on so many levels. It is because of that which I am writing to you now, and will fight this until we are given an apology and some sort of amends for the way we were treated. Honestly we need to see some kind of justice here. Sincerely Not Happy.

Not only did we feel that the adjuster dealt poorly with our neighbor (he seemed more upset after speaking with the adjuster), but it became clear that our 20 years as a customer didn’t buy us any credit with Allstate. As we spoke with other insurance companies, we described our experience tentatively (we were worried that we weren’t insurable, given Allstate’s reaction to our dog). We found that the opposite was true - we’re happily insured, our German Shepherd has won 3 titles in obedience, and we wouldn’t consider going back to Allstate given our experience with them.

To add insult to injury; I had not received any paper mail from Allstate! I received a bill via EMAIL with the higher rate. When I inquired WHY my rate went up, it took them a while to find it. Once we determined the problem, I was told that there was nothing that could be done until my next renewal! I had to pay the higher premiums. So much for Loyalty. No one from the Corporate office even bothered to call me once they were told of the problem/concern. A customer of 17+ years just ignored. I look forward to ignoring them very soon. Allstate just wants your money. Customer Service is below 1 star.

Allstate sent out their contracted field estimator. He took pictures and measurements but complained that he was not able to see the extent of the foundation damage because the drywalls were not removed. I authorized him to remove whatever he needed but he declined to do so. So he continued to take his measure, gave me his card and said that he will forward the report to Allstate within a couple of days and it will be assigned to the "Major Damage" department. I asked what constitute "major damage" and he states that damage above $75,000.00. Several days passed and I didn't hear back from Allstate. I called, they stated that the estimator need to come back out to assess the extent of the foundation damage but we would need to open up the walls.

By this time, I was advised to get my own contractor for estimates. One of these contractor came out, open some of the dry walls and within three days, gave me an estimate for the repairs. With the walls open, I contacted Allstate and they sent the same estimator out. One week after this second visit, I was presented an estimate from Allstate and they say the check was on the way. I reviewed the estimate and I couldn't believe what I saw of the first page, they couldn't even get the measurements right. The above mentioned floor to ceiling window is 3 ft. x 8 ft., they came back with a 36 in. x 50 in. windows. Two of the doors are 36 in. wide and but they measured it to be 30 in. Their estimate was at 12 % (and the check the issued) of what my contractor estimate. We all know that insurance adjusters are going to low ball but this cannot be legal.

Now, they've hired their own general contractor to take over this claim. They submitted a revised estimate that is more the double the prior offer. Interesting enough, I asked this new general contractor, that in that case, I am going to use you guys to get the do the work. They refused, stating that they were hired just to do the estimate, not the work. So it looks like they are going to estimate how much it should cost someone else to do the work. But for them to do the work, it would be much more. This can not be legal. It is on-going for three plus months and there's no resolution. Will post any updates.

We could not a contractor that could do the repairs for check amount. He kept saying, that the contractor was trying to put a different type of material (roll roofing) and it needed to be the exact material that was already on the roof. He could tell this from picture he was looking at in Alabama. After calling, which, he would not call back, and contacting his supervisor, Angela ** who never returned my calls. We finally got this resolved this month, June.

Allstate has a duty to fully and properly inspect your loss. This failure of duty is very serious and hopefully state insurance commissioners will crack down on such nonsense. Maybe you had one of these inspections on your claim already. Call 800-547-8676 and ask for a reinspection with a licensed adjuster. That way you know for sure that nothing was missed! They are obligated to inspect your property with a licensed adjuster! For a company that prides itself on good customer service, this is a virtual thing is crazy.

Several years ago, my departing tenant did considerable damage to the apartment before leaving. Allstate covered some of that, especially water damage from a flooded bathroom. But declared that some was "hard wear-and-tear", not vandalism. Overall, they were pretty fair, fast and helpful covering the claim. The agent, who visited, actually checked my roof (which I have trouble accessing) to see if it was OK (not part of my claim) and cleared out my gutter! That was pretty amazing and he was great. I don't know about other particular Allstate offices but I would highly recommend the agent and office that I have been using.

Seems like false advertising, and if that is the way they have been directed to conduct their business look for another company that has some ethics, is responsible and will provide accurate information. We have even written to their CEO Tim Wilson but do not expect a reply since their marketing efforts are probably directed from the top. In looking at numerous other comments it would also appear they are really slow to react on claims, unlike the misinformation they promulgate in their commercials. Run, do not walk away from this company.

The primary Allstate contact seemed to care little about our plight. She ignored or gave irrelevant, unresponsive, pro forma replies to the dozens of questions I submitted and on which our financial planning critically depended. A formal letter of complaint I sent to the Allstate Executive VP/Chief Claims Officer about the insensitive, incompetent, and unresponsive handling of my claim did not receive even the courtesy of an acknowledgment and remains unanswered to date in spite of my repeated reminders and protests. Once Allstate had begun making payments to reimburse me for documented emergency out-of-pocket expenses, I had to battle to receive some token compensation for additional living expenses, all of which served to increase the strain on our already severely-stretched financial resources.

Then, as though to add insult to injury, Allstate claimed it had overpaid us by some $6,700. When I asked for an itemized explanation, it was not provided. At that point, I demanded an audit that I specifically asked address the alleged overpayment, as well as the totally unsatisfactory manner in which our claim was handled. The so-called audit remained silent on these issues; however, it included and transmitted a totally new Allstate estimate which, instead of a $6,700 overpayment showed a balance to be paid by Allstate of $146.00 and included a check for the amount due, but no explanation for the voodoo mathematics Allstate had used to convert an alleged overpayment of thousands of dollars to a balance due! NO, YOU ARE NOT IN GOOD HANDS WITH ALLSTATE!

On October 2017 water stains started showing in ceiling. I asked a roof company to inspect the roof. The roof company reported there are hail damage in roof. This time I did submit the claims. They denied those four claims. Allstate complained to my consumer report LexisNexis. My Roof started leaking , more stains in ceiling. Every month I can see 2% roofs in the neighborhoods has been changed through their insurance company. I am trying to change my insurance company Allstate. When I am shopping for insurance codes, other company asking if my roof has been changed? Other insurance company complaints there are eight claims in my consumer report, which created another problems. My friend also submitted the claim. Their insurance company did not report to LexisNexis. Code with increased I submitted a claim.

The adjusters are heartless and deceitful in so many ways! Have gone to DORA hired several inspectors. Cost out of our pocket has exceeded thirty thousand just to keep the property from being condemned! We have consulted with countless law firms. But none want to get involved because it is Allstate and they fear the case would go on for a few years! We are nearly homeless just as we are reaching retirement! I refuse to give up! But my wife cannot take much more. It is killing us! We paid for the abatement, a plumber for removing baseboard radiators, a moving crew to move the contents from the house. Which I have now moved back in for lack of storage space! We are paying each month for a storage container that has our furniture and appliances stored in it! Our utilities are triple their normal cost from keeping the house heated. Because we are camping out in a motorhome in front of the house and we have to use the water!

I am disabled and my wife will be 62 in January and should be retiring! Allstate has squandered our temporary housing portion of the policy They rented a house that gobbled up our limit of coverage within nine months. After ignoring our suggestions for homes much closer and much lower per month to rent! I had found two within two blocks from our home! When I contacted the service that was taking care of that part of the claim. She called back to tell me that the adjuster had changed his mind on long term temporary housing and denied approval on these suggested homes! Two weeks later he had us signing a contract for renting a home that was way out of the way and totally inconvenient for access to my wife's place of employment! We were put up in Staybridge Suites for three months, Moved into the rental in June of 2016. Then told in October that we were only covered to stay in the rental until the middle of December!

So the adjuster offered to write a check to us for the remaining funds for temp. housing and also the deposit that we would be getting back to aid us in setting up a place to stay until the home was finished! We took what little we were left with and the deposit money as well and purchased a motor home to set up on our property, It was not the greatest of motorhomes. But it is a secure dry place to live in temporarily. As the situation keeps getting worse. We were informed in January that the deposited money was in fact not ours to have and we now have to return it! The adjuster told me that the claim would be closed until we pay this money back! It is now almost May 2018 and we are no closer to resolving this claim with Allstate than we were before the damaged even occurred! I have been run through hoops chasing documents that I previously submitted!

Three times from different associates from claims needed the contract between ourselves and the roofing company that was responsible for damaging our home! Allstate declined and refused to go after the contractors' insurer! Which I do not understand! There are so many lies and false information that the adjusters have fed us. It astounds me that some people allow and fall for such stupid statements! I have documented everything including several pictures and videos that I began taking as the water was rushing into our home and drenching the entire interior of our single story ranch house! The third adjuster even admitted that the only way he would release the actual amount needed to repair the home we will have to get an attorney! That I have documented also! Along with several instances where they have been untruthful!

The adjuster's Supervisor lied to DORA to excuse them from answering to the complaint we filed to them. Which I have documented and have physical witnesses to back this up! I am new at this! So researching to find ways to fight back and provide answers and foundation that holds my arguments take an extreme amount of time! But I am not going to allow these adjusters to use my lack of knowledge in the claims procedure and process to their advantage! I certainly didn't figure on them having so many ways to suppress my attempts to get what is owed to us. I probably will not live long enough to see our home as it was. I am unable to work any physical job due to my conditions! Which we cannot afford to pay for any medical plans to help cover treatments.

With our spending everything we had in savings along with my wife's retirement plans which we had to cash in at costly penalties of twenty percent and added taxes for the year. We put back the disputed deposit money so we have it should we need to actually return it! We are totally out of resources for money to continue paying the mortgage along with the added expense of trying to exist with this added costs for utilities, storage container, inspection fees, doing laundry at a Laundromat, eating fast food because we have no real place to prepare a decent meal! When we purchased our home we were told at the closing that there would have to be two mortgages! Something we were not expecting and weren't going complete the purchase! But we went ahead believing we would be able to pay off the second mortgage before the ten tear arm was up. That we did accomplish a year early!

We were now ready to refinance the first mortgage to get out of the variable rate into a lower fixed rate! However this plan was abruptly halted by this incident that has entirely devastated our lives and our relationship! What can be done to stop this corporation from bullying its policyholders out of what is rightfully theirs? Why pay premiums that are really too high! Only to be denied what was promised to be guaranteed to you if so needed!

I asked to speak to a manager and we were hung up on. We call back, explain everything again, asked to be transferred again to be hung up on again. A lady calls us back and after 3 hours of back and forth. She claims the premium changed in the 48 hours time period and they can't honor the original quote and they quote us 500 more. I am in disgust at how they do business and treat people. I just looked at all of their horrible review and I am glad I didn't go with them after all. Please pass this along.

Both homes are newer than ours. Many other neighbors have had their roofs repaired in the last two years with insurance. He stated to have a handyman go up and replace the shingles on the roof and for us to go in the attic when it rained and caulk the holes! We are filing a complaint with the state insurance commissioner and reaching out to one of the local TV stations who broadcast news on issues such as these. Let's see what Allstate says when a TV newsperson contacts them.

The Allstate estimators came in our home without the homeowner present and did an estimate. They falsified so many things. The age of everything was mostly under 5 yrs. The one adjuster Teresea ** happen to be friends with these public adjusters on social media for several years. Their Adjusters took a $1000 deductible out when it only $500. When they sent a check to reimburse us the check was still under the homeowner and the public adjuster premium loss. We can't cash a lousy $500 check but they could cash a $96,000.000 + another $61,000 + another $31,900 + another $6,800 + another $2,500. Does that seem fair?

They never put any money in escrow either. I'm wrong this because they don't deserve angry stars. They are the worst insurance company out there. Everyone we know is changing to Erie or Liberty Mutual and if I were you I would too. They are thieves and karma is coming for these frauds that work for them. I could go on forever about our fire. They did all this to an 83-year-old woman who doesn't know anything better.

Also they sent a recoverable depreciation check out without any proper invoices. They used a itemized list with an amount and Allstate released this money. This is FRAUD!!! There is no way possible they could have gotten almost the full amount of depreciation when a lot of work wasn't done!!! So so wrong many levels. All work was substandard. Just awful. Attached are pics of what was sent to Allstate in Malvern Pa for the Recoverable depreciation on the Dwelling and Allstate submitted a check for $31,911. They did not submit any invoices for work done. Just a list of work that only some of it was done. Thank you for allowing me to file this complaint. Sincerely, A customer for 58 yrs who had one claim prior and got the shaft!!!

A year or so later I had to call them out again due to water damage in the house from a faulty/cracked roof which should have been identified when the adjuster was on the roof. This time the adjuster says, "Oh, you have a great roof for the age of your house." OMG! Every time that it rains shingles are blown off the house. Please tell me what the definition of great roof is, does it really mean that shingles should be falling off the house during each storm? I sure didn't think so.

House number two, I've noticed that when it rains we get water in the garage that eventually ended up in the house by way of the laundry room. I called out a chimney company because it seemed to possibly coming from that area. No problem, let me just get a new chimney cap is what I said to myself. The chimney company comes out and does a water test. They determined that there's water coming in from the chimney and also the roof. They also advised me to call the insurance company and have them figure out all of the ways I have water coming in. After paying to get the chimney cap put on I called out Allstate because of the damage inside the house and the fact that the chimney company said there's water coming in from several areas.

Allstate comes out gets on the roof, looks at the internal damage, takes a few pictures, looks in the attic, and then says they will contact me later in the day with the findings. Well, as you already suspect the adjuster calls me to say, "Sorry, but your claim is denied due to seepage." WHAT?! You have to be kidding me! This company seems to deny more claims than they approve, this is awful customer service. I am now shopping for another insurance carrier. Best of luck to anyone who keeps this insurance provider. They don't care about their customers.

No explanation, no call, NOTHING. And the rate goes up at least $25 a year. It's just nuts. And my house is 15 years old. We had 4 large hail storms in the last year. Everyone in my neighborhood got new roofs. I had 25 adjusters come by (common after hail storms, I know) and all have told me the same thing: You needed a new roof before the last hail storm! It has pockmarks all over it, loose shingles, and every time it rains there is a new pile of roof shingle gravel on my sidewalk and at the base of my gutter drains.

The Allstate adjuster came to approve or deny our claim and it was denied! They are trying to base our problems (which are CLEARLY hail damage) on "faulty installation." Give me a break! That isn't the case. Funny enough, this happened not 1 week after I read an article detailing how Allstate provides the worst customer service among American Home Insurers and that they recently underwent training to help them pin problems on things they aren't responsible for fixing and to help the company save 40% in total payouts for the year. I think we see the real reason they denied my claim. I am currently shopping for new insurance.

A few weeks ago, due to a windstorm that hit the NE region, I had 19 shingles blown away from one side of my roof. There was only one shingle damaged on the other side of the roof but my contractor recommended replacement saying the nails are loose and the roof shingles could be damaged with ease. In addition, the plastic clip that holds the windows in rail got broken in two locations. An initial suggestion from my contractor was replacing the shingles on both sides of roof. There was no part available for the windows.

It took almost a week to bring a third party inspector assigned by Allstate. The first estimate from Allstate (Claim Rep: Shavonne) was $640, or $140 after a $500 deductible. Rather offended, I appealed until an Allstate rep Brittany ** asked for a written estimate from my contractor. I had forwarded a $7150 quote to Brittany, including replacement of two windows.

After a few missed calls, she finally offered $3000 for shingle replacement only on half of the roof. I asked for her manager and was connected to a rep named John **. He basically said the same thing she said, repeating Allstate doesn't pay for non-visible claims. I explained what the contractor told me but was responded I would have to file claims every time loose shingles got blown away, paying a $500 deductible. He also denied the window claim saying it was maintenance issue.

I offered a conversation between my contractor and Allstate's estimator but John ** rejected this request saying I have to provide a written estimate describing the 'invisible damage'- the loose shingles, which means you have to spend your own money to hire the contractor to go up to the roof. I felt they would make every excuse to reduce or delay the process, until you get tired of the process.

That was the end. I didn't feel it was worth my time talking with these people. Allstate's strategy is to deny or undervalue the damage in the beginning then wait until the customer gets fed up. I tried to describe the situation as subjective as I could, so I didn't elaborate how many phone calls and how much time it took until I got here. The claim was filed on March 3, and the final call with John ** happened on Apr. 3.

If you have an experience with roof damage, you'd understand how frustrating it is to keep the damaged roof covered with a tarp. I tried my best to expedite this process, but ended up receiving just $2500 to replace the half of my roof after the $500 deductible. Allstate's motto is 'You're in good hands'. You figure it out. BTW, when I was checking around for other insurance companies, I found out their quotes were about $200 lower than Allstate's.

I pointed out to Allstate that they need to send a actually licensed adjuster to go up and inspect my roof. I was treated by their customer service reps with unprofessional, condescending attitudes. I will start looking for other insurance companies today to give my business and will let others know of my very unpleasant experience with Allstate. You never know how good or horrible your insurance company is until you need them. Allstate won't be there for you.

Allstate spent thousands sending Adjusters and making estimates that didn't even covered our deductible, I had 5 different contractors give me estimates and all said the same thing, the roof needs to be replaced and that the insurance needs to pay. Hired a public adjuster and after (6 months) Allstate finally decided they are going to pay, sent a check to the public adjusters which went out of business. Now they are telling me I need to seek legal action to get the money they sent them and that they could not cancel the check sent to the adjusters, trying to tell me that they discourage getting a 3rd party involved in claims, when the reason why I had to do it was because they basically denied my claim. I got the Texas Department of Insurance involved in the hopes that they do something about this insurance companies.

My state has a Homeowners Guide on their website as well for more details. They even provide a number for you to call to ask questions about the claim process. Filing valid claims through the Bureau is not what Insurance Companies want. It's essentially an audit! After 30 years of using Allstate for homeowners and auto policies, I've had less than a handful of minimum claims submitted. There was one minor claim in the last 12 years which paid out. It wasn't until I filed a claim last year that I was notified of a 6 month rate increase of $190!!! That is a 25% increase to my original 6 month premium. Here's the kicker - the claim was denied.

Now, three months later, I’m notified that my home is underinsured by over $40,000 dollars. She told me I needed to pay or cancel when I explained I did not have access to said monies they were requesting and that I felt they should have notified me much earlier and waited for the adjuster before offering me services and collecting said funds. An ironic note to this, the extra money they claim needs to be paid to insure my home is approximately the difference between Allstate and the other companies I was shopping. Now I have 20 days to pay their demanded increase, of which I do not have.

If Jordan had done her homework she would have known this. I found another company with a much lower price with better coverage and had an inspector come out. When I cancelled Allstate with Jordan at RideNow Insurance I was told that Allstate would be issuing me a check for $5... although I still had a $60 credit per Allstate's email they sent to me. So Allstate decided to keep my money. I will never use Allstate again. And Jordan at RideNow Insurance is not very good either. What a RIPOFF! Unless you like giving your money away... all I can say is beware. I paid 3 mos in advance so I could have some breathing time after Christmas. I guess Allstate Insurance and RideNow Insurance thought I was making a donation to their company when I wasn't. Nothing like stealing from the disabled.

We got a special assessment letters in Sept. 2017 in the mail about hail damage and having the roofs replaced, Allstate will not cover a thing for the 14 of us that live in the complex, they say it is not a special assessment. In March we upped everything on our homeowners that is when we found out that either the agents we had didn't put it on the paperwork correctly as 10K or someone higher up had fat fingers.

When we have asked for copies of old policies we get the run around that they don't keep that paperwork so far back! So the complex that I live in everyone else that has different ins companies got paid with no problem whatsoever. Looking for new insurance. No more chances for this awful ins company. You pay and pay and always on time never a claim but when you do have one you shouldn't ever have to fight with your ins company to get something covered. The commercial on TV that states, "You're in good hands with Allstate", that is a false advertisement. I have not seen a whole lot of good reviews. I have spoken to people that had this ins company in the past and they had to go through the same thing with hail damage and they still wouldn't pay.

Allstate came out with an adjuster who never got on the roof but had yet another 3rd party adjuster get on the roof. They noted damage on the ridge vent, gutters, drip edge, and fascia. However, denied the claim because there was 8 hits in a square and not their desired 14. Per their words "this house got smacked with hail" but they still denied the roof. This to me is outrageous. There is clear hail damage which over time it will cause leaks and result in interior damage but they will deny that claim because the roof was damaged and we should have gotten it fixed... But it wasn't enough damage to warrant a claim!? Ridiculous.

They are a joke of a company. I will get the last laugh. Luckily my job gives me contact with many people. I will go to my deathbed telling people to not get their insurance from Allstate. I have filed a complaint against them with the state of Iowa. Please stay away from Allstate insurance. The only thing their hands are good for is taking your money.

I was advised by Lifetime that the siding the forensic lab suggested would not match the existing color currently on the home. I told the supplement adjuster Vo ** on 9/20/17 that the contractor stated they could not match the existing color of the siding on the home, he suggested to replace it anyways with mis-matched colors. I understand that state guidelines only require Allstate to replace only the siding on the home damaged by hail but, was told by Allstate representatives that Allstate would make repairs so that the home would be in the same state it was before the hail storm. The problem I have with Allstate's adjustment is the color of the siding on my home all matched prior to the hail damage and should all match the same after the repairs.

When we complained to the assigned Allstate adjuster they said "We can send out a Structural Engineer" to inspect your roof. They sent out two different engineers on two separate occasions (that Allstate hired) that also reported that we had no damage at all from hail. The only other person in our immediate neighborhood that got refused was a guy that owns a roofing company that also has Allstate!!! The same adjuster that refused us refused him!!! All homes in this neighborhood are less than 14 years old. Prices are $650,000 - $1000,000,000+ in Dominion Valley Country Club, Haymarket, VA. Literally every home surrounding us (several deep) and hundreds in our neighborhood had their roofs replaced due to hail damage claims.

Several different roofing contractors stated that Allstate was known to deny claims working with "inspectors" and "Structural Engineers" that they hire. We were told that if those inspectors agreed that there was hail damage Allstate would not use them to inspect other homes. We actually had two separate claims. The second claim was made after the first was denied. We had another hail storm and the last neighbors on our street are having their roofs replaced. I am looking at a roofing crew through my office window as I type this warning about Allstate Homeowners Insurance!!! DO NOT USE ALLSTATE!!!

The Allstate Adjuster denied my claim saying it was damage due to poor Installation of the roof vents. Here's the kicker, the Adjuster used a 3rd party inspector to inspect the roof and that person told my General Contractor in confidence that the Allstater Adjuster denies all claims regardless of type of storm damage. The Allstate Adjuster had the nerve to accuse my General Contractor of mechanically damaging my roof. My General Contractor had never been on my roof prior to the Allstate Inspection. Also I found out that the Allstate Adjuster is a 3rd party independent adjuster as well who wears an Allstate shirt but drives their own personal vehicle (that's how you're able to tell). You are not in good hand with Allstate.

They suck. After 2011 tornado in Tuscaloosa should had taught me a lesson but I stuck with them. But by the reviews it seems they love you if you make payments and never have a claim but when you have a claim then you’re a liability to them... Allstate sucks I do not recommend them... Oh and my local office here want return our calls to resolve the issue about a new inspection... Cause trampoline been gone steps built and the pressure washer is put up in shop so I need answers and they don't respond.

All of a sudden the day you were supposed to issue the check Wendy notified me that he would not be doing the claim for me and that they do not replace the damages caused by the storm over the phone and adjuster would have to come out and see assess the damages. Two weeks later and adjuster came out obviously with no prior knowledge from the pictures and descriptions and the documentation than I originally gave Abe the first person that I spoke to. The adjuster was very smirky and took a look at my damage and I thought that it was odd that he asked me if I was going to do the work myself.

To my surprise he assessed damages at $2,400. I have $1,000 deductible. I had an awning go through the sheathing of my flat roof and then crushed the venting on my hot water heater tankless dismounting and pouring water into my house. Also my rear house and the ventilation ripped off along with almost half of the shingles down to the sheathing and water was coming through. Of course I complain to everyone that I could and they appointed me to the claims manager Nick **. Where he had I tried to prove that the original assessment was totally wrong due to the materials involved in the repairs. The monies would not even cover it.

So I wrote down an assessment of the damages and he agreed to pay for the materials. My assessment was over $8,000 in Damages in the beginning. He said it was a conflict of interest so I decided to get other estimates on the damages. Starting with the hot water heater. When it came back at almost $6,000 for replacement he then called and harassed the contractor and became unprofessional calling the tech stupid. Then I could not find a roofing contractor to agree with his fix saying they could not warranty it. Then one month later he is still harassing my contractors and he has not funded a significant amount for the damages so I can repair them in. My roof is still leaking in. My hot water heater is malfunctioning at 140-degree, water when it works endangering my children.

He is saying now I have to sign a contract with a contractor to do the repairs and he still won't give me a figure on what he's covering. I've had several people look at the damages and they range from 15 to $30,000. He wants me to pay that out of pocket before he will do anything. It wasn't until I started speaking with him about my mediation that I realized what he was doing from the beginning. He had said in his email correspondence that he could not pay me as a contractor because I was the homeowner in his rate was minimum wage for labor and reimbursement for Home Depot materials. I finally confronted him on what he was doing and he could not reply straightforward. He had to detour from the question. To me that proves what he was doing is intentional. From the beginning I would not speak to him over the phone. I have all of our information over email to document everything. That was the smartest thing I ever did.

I've had several claims in my day and none of them have been this difficult even though some insurance companies didn't pay for all the damages but they were at least reasonable. Allstate claims adjuster Nick ** is who I was speaking to. I saved all of the email correspondence that I have with them and confronted him with everything that I was saying and then some and he admits to the ** business. Immoral business practice I believe is very unfair and endangering people with mold and dangerous hot water heater malfunctioning. I am continuing my fight with Allstate. This and their unethical business practices needs to stop. I would never use Allstate again. Nor would I ever recommend them to anyone. The bottom line was they were trying to push me into making the repairs Myself by dragging everything out so long so that they could pay me minimum wage and reimbursement for Home Depot materials to repair my own claim.

Original Review: Aug. 7, 2017

I purchased Allstate Homeowners Insurance and did not pass the inspection because of plants we had along side the garage and some exposed tar and algae on the roof. We purchased a new roof and took out the plants (detached garage is not even covered). The local office is wonderful but the main office refused to extend the deadline but we made it by the deadline. We had second inspection and passed but still, no documents and results on second inspection were posted after the deadline even though inspection was completed before the deadline. It is now 4 days pass the deadline and home insurance on my Mortgage has lapsed and they stopped my loan for second mortgage, a late fine and possible expensive insurance mortgage company with reinstate. I have called them several times but still no documents. This company is unprofessional, uncaring and deceitful. I am changing insurance.

Original Review: Aug. 2, 2017

I've had three homeowner policies with Allstate insurance for many years without filing a claim. After a bad storm in May 2017 I filed first claim. The first three insurance adjusters did not climb roofs, had no ladders or did not show up. Finally on August 1st, 2017, the 4th adjuster did show up and brought a guy that owned the ladder. All the adjuster did was hold the ladder for owner of ladder to climb ladder up to eve of house who took a few photos. Neither one of them climbed the roof and the adjuster stated that he was afraid of heights and did not climb roofs. After 35 minutes of writing his report the adjuster claimed that I only needed to replace some shingles and other minor repairs and gave me a check for $300 plus dollars. He also wanted me to sign a paper which I didn't. He also said that I should file a dispute to have someone else take a look at it and Allstate may honor the claim, 'that is how we operate', stated the adjuster.

I had two roofing contractors climb the roof to give me estimates. Both said they would not repair the roof since the underlayment was compromised due to hail and storm damage and the work could not be guaranteed. They said the roof needed to be replaced and that the insurance company should cover it. After repeated calls and messages to Allstate a lady called and said the photos were not taken from roof, indicating that the adjuster had not climbed roof to make his assessment and that she was going to send a fifth adjuster and tell him to take photos from the top of the roof but that she already had an idea of what the report was going to read.

Meanwhile many of my neighbors insured by reputable insurance have already had their roofs replaced months ago. Allstate should not be allowed to sell any more insurance policies since they only take hard working peoples money with no intention to honor their commitments. I will be pursuing legal counsel on this matter.

We got our Mold Spore results back faster than our answer on coverage. YES PATHETIC. Long story short it was caused by a roof leak that created water in our attic which then created humidity to the AC unit and created extreme levels of mold to spread throughout our only 5 year old home. We had to evacuate our home due to the seriousness of the mold spores and go to a hotel at $100.00 a night, the adjuster called 8 days into the claim telling my wife that by reading the claim it doesn't look like this is going to be a insurance claim. This was before coming to the home or knowing any details.

My wife told him "Really and you made this determination HOW." Seems how we don't know any facts yet. So the day comes for him to come and he didn't let us down. He right off the bat says "YOU KNOW I'M THE MONEY MAN. I MAKE ALL YOUR DECISIONS." Real professional. He got on the roof said he doesn't see any damage. Didn't even have a clue what he was looking at or for, he then comes in the attic sees the wet plywood and the mold in the attic and says "Ok I'm done. You don't have a claim."

So let me recap this for all you that are considering Allstate as your insurance company. We have had them for 6 years, have never filed any claims and their web page says ALLSTATE WHERE YOU ARE IN GOOD HANDS. LOL what a joke. It also says "When filing a claim we are there for you to help you solve the issue in a timely manner and make sure all your needs are met." We are out of pocket $15,000.00 so far and don't have everything fixed yet and they haven't and are not helping us with any of it, due to the fact this was created by a hair line crack in the air-hawk on the roof which then allowed rain to get in the attic and create this nightmare.

Allstate claims that by looking at the pictures of the air-hawk the crack was not created by wind or hail, so they aren't covering anything. They have no professional degree in determination that this was or wasn't created by wind. They are not in the business for you as the customer. They are only in it to steal from us and make sure their wallets are padded. Please consider all these reviews before throwing your money and home down the drain to Allstate where you are not in good hands.

I do not live in a flood zone and my agent said I do not need flood insurance - so basically I pay 2500 per year for the top half of my house to be insured. If my basement leaks water or floods and blows out my furnace, water heater and water softener and has black mold or even crumbles I am screwed... ** company!!! Lost my business-I already have calls in to Farmers, Geico, American Family, and a couple others. Been quoted 1000 a year for better insurance. Did I mention my original agent quit 5 years ago and I have never met my current agent. Just phone calls from his assistant and letters when I didn't pay on time (I was out of town). Oh and there was a service request on my property (they came and inspected the property without notice). Just found that out too. In 15 yrs I have given them $38000.

We had a local basement crew come in and give us an estimate of $6,000, our Allstate agent said to not take any steps yet until one of their claims adjusters came and took photos. We waited 2 weeks to finally get a call and the first sentence he said was we were denied. I asked how could we be denied when he didn't even come out and look and take pictures and his response was he is from New Jersey.

New Jersey!? I live in New York State! Why the hell are you giving me someone who isn't even living in the same state as me?! Then he followed up by saying that as soon as it starts to rain and the rain touches the ground, we are not covered. This makes absolutely no sense to me when our Allstate Agent told us that we would be covered for a new sump pump and any other repairs. All we would need to pay is our deductible of $1,000. You guys are full of ** at this company. From reading everyone else on here you guys come up with the most ridiculous and beyond crazy excuses to not cover our claims. If I could rate you guys in the negative I would and will take my business elsewhere to a more reliable insurance company that actually takes care of their customers. Unbelievable.

1. A fully completed sworn statement in proof of loss relating to this loss (if not already provided); 2. A structure and contents inventory for any item or thing you claim was damaged (if not already provided); 3. Any other insurance policies existing at the time of the loss covering the property at issue (if not already provided); 4. All documents, emails, correspondence or communications of any kind which you sent to insurance agents, insurance brokers or insurance companies relating to applications, requests for any insurance coverage, changes in the use or occupancy of the property, or requests for information regarding possible changes or cancellations in any existing insurance coverages from the beginning of your relationship with Allstate and continuing to the present;

5. Any police reports, fire reports, and other statements in your possession which relate to the damage involved in this claim; 6. Any receipts, invoices, estimates, proofs of payment or other written documentation demonstrating proof of purchase/ownership regarding any property that you claim was damaged; 7. Any receipts, invoices, estimates, proofs of payment or other written documentation regarding any repair work performed at or on the property since the date of the damage; 8. Any receipt, invoices, estimates, proofs of payment or other written documents regarding the purchase of any item or material to renovate or repair any portion of the property within the last five (5) years. 9. Any and all correspondence, written documentation or communications between you and any law enforcement authority regarding the property;

10. A copy of any and all lease agreements for the property, if any, since you purchased the property; 11. Any and all of your tax return and tax related documents (W-2s, etc.) for 2012, 2013, 2014, 2015 and 2016; 12. Any and all documents regarding [any possible] bankruptcy proceedings, trials and/or discharge (if applicable), including but not limited to documents filed with the court and provided to creditors; 13. Any and all utility bills for the property, including but not limited to electric, gas, heat, oil and water, from January 2015 until the present; 14. All documents, invoices and service records relating to any effort you made to maintain heat in the property prior to the loss, including but not limited, any effort you made to maintain an adequate amount of oil;

15. All documents, including but not limited to invoices, estimates, reports, and correspondence from any person or business who has inspected the damage from the loss. Please note that this request includes but is not limited to the plumber you informed Allstate was coming out to inspect the loss on or about January 30, 2017. If any person inspected the loss but did not provide any documentation to you, provide the name and contact information of every such person; 16. Any and all service records for the heater and boiler, including fuel delivery service and any maintenance records; 17. All correspondence between you and any mortgage company that holds a mortgage on your property, including but not limited to [any and all mortgage banks you've dealt with].