Allstate Homeowners Insurance Reviews

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].

Wednesday, April 5, 2017 Early Wednesday morning, around 9 a.m. my husband called AllState to file a claim. At that time we were assigned a claim number and were told that an Allstate agent would call us to set up a time to inspect the damage. My husband also called Servepro to try to stop mold from forming and dry out the water. Servepro came out to our house and brought with them a dehumidifier that they placed under our sink.

Thursday, April 6, 2017 Allstate called my husband to let him know that an adjuster would not be able to come to our house until Monday, April 10, 2017. Allstate told Servepro to discontinue all services until an Allstate agent was able to come out to our house to inspect the leak/damage. Thursday afternoon, my husband called a repairman who came to our house and cut through the back of our cabinet under our kitchen sink and found mold and wet rot.

Friday, April 7, 2017 - My husband called to ask an Allstate agent to come out to our house immediately because of the mold and wood rot that was found on Thursday and Allstate told him that was not possible and that they were very busy and we were lucky that they were going to be able to come out on Monday, April 10, 2017. At approximately 10 a.m. on Friday, April 7, 2017, a plumber came to our house and replaced the pipe under our sink fixing the leak permanently.

Monday, April 10, 2017 An Insurance AllState adjuster came out to our house and denied our claim. We followed the correct protocol for Allstate to cover this claim. We immediately acted upon this leak. The adjuster told my husband that the reason he was denying the claim was because mold and wet rot had formed. Both mold and wet rot are covered according to our insurance policy. Furthermore, mold can form well within the time frame that it took for an Allstate agent to come out to inspect this leak. We live in Charlotte, NC - it has been a very hot spring and we have a lot of humidity. These two conditions speed up the growth of mold.

I have contacted several people within Allstate to let them know that I am appealing this claim. They continue to tell me that they will not cover the claim because this is considered a continuous leak and that the only way that mold and wood rot could occur is if this leak was a continuous leak. So my question is - if the only way that mold and wood rot would occur is if a water leak is continuous then why in their homeowner's policy statement do they say that they cover mold and wet rot? This is a contradiction to what they say they cover. We have been a client of Allstate for over ten years. We have never filed a homeowner's claim during this time with Allstate or any other insurance company. Any guidance you can offer me would be greatly appreciated.

When my adjuster told me that 6 nails were required to each shingle and my shingles did not have six nail holes, I didn't just take his word for it. Especially since that is today's code and I know my home was not built in 2017. It was built in 2004. So I looked up the building code that my city uses and guess what... they didn't require 6 nails per shingle when it was built. Homeowners, please understand, most roofs require inspect and permits which means that the cases of poor workmanship are not as many as you might think. Never take Allstate's word for it. It is just something that they say to homeowners to intimidate them. All of the roofers that I have spoken to agree that this is just something that all Allstate adjuster say.

Second, do your research. Allstate keeps stating that they are not required to match the shingles on my roof. The shingles on my roof have been discontinued. They are green and scalloped. Also, there are no other shingles on the market that have the same dimensions as the shingles currently on my roof. Therefore, I can't repair but must replace my roof, right? NO says Allstate. Just get another architectural shingle and cut it. Remove any undamaged shingle from the repair slope and use them to replace the damaged shingles on other slopes.

Well, by the time any goof roofer has removed any type of shingle from a roof, I promise you it is damaged. It has existing nail holes and now you will be doubling those nail holes which means that you are now reducing the area of the shingle and weakening it. Not to mention that not all creases and cracks are apparent after removal. Any good roofer or engineer will tell you this is at the very least poor business practice. In fact I called the manufacturer of my roofing shingles and they said "No, don't do it. It will void the warranty on the shingles. Don't do it."

So, Allstate was telling me, the homeowner, to devalue my roof, void the manufacturers warrant, and to use damaged materials to make repairs. Does that sound right to you? Of course not. Not to mention the fact that Allstate has also told me that they do not cover damaged/faulty material. So, if I were dumb enough to make the repairs that Allstate was telling me to do and incur more storm damage in the future. Guess what? That's right is not covered. Allstate is telling so many homeowners to do this and continues to get away with fraud.

Furthermore, keep in mind that your roof must be repaired or replaced in accordance with the building code. If the jurisdiction that you live in uses the IRC (International Residential) code, then Allstate must follow the manufacturer's guidelines/instructions as so stated by that code in chapter 9 for roofs. My manufacturer says that the roof needs to be replaced and cannot be repaired. Allstate is still telling me to go ahead and violate building code by repairing it.

Furthermore, Allstate continually low balls on estimates by excluding certain costs. They gave me an estimate for 3-tab shingles... not architectural shingles. They also estimated for depreciated value of materials when my policy called for the actual cost value to replace. They, also refused to estimate for the torn felt that needs to be replaced, flashing, drip edge, and permit. Keep in mind that Allstate doesn't want a homeowner to seek out a roof permit because they might be forced to replace the roof or make a more costly repair.

Lastly, in the state of Georgia, yes, Allstate is required to match materials. Most policies state to replace with "like kind or like quality". How is this not matching? If all of the dimensions are different, different color, shape, composition, material... It is not like kind or quality. Something has to match but not only that the Georgia Superior Court has upheld in Mabry vs. State Farm, for auto insurance as well as homeowner's insurance, that materials should match. The property should be restored to it previous condition which means if the shingles are not the same color and do not match you can tell that a repair has been made. If the manufacturer voids warranty on the remaining shingles, the home has been devalued as well and the insurance company must pay for this.

And it all state says that if it has to replace roofs rather than repair, it would cause premiums to rise. Remember the millions of dollars that it donates to various charities and not to mention the millions that the CEO makes every year. So yes, you are in good hands with Allstate, so long as you don't file a claim and if you do be warned that Allstate will be putting on the boxing gloves.

After two years of excuses from their agent I changed companies. I gave this agent 48 hours of notice to cancel my policy that I was dropping him because of the poor service and I'm reporting it to Allstate as the reason. "I also have a home policy with them as well... which I'll add to what they did to me." This Allstate agent did cancel the policy for the autos. Why I even sent him a email to his office and "CC" myself back to show it was rec'd and sent. Very very clear it was only the auto policy that I was terminating.

This agent one time told me that he didn't have access to my home policy because I wanted him to review it. But lo and behold this agent cancelled both policies home and auto. I found out the next following week by the agent who was in charge of my homeowner's policy, asking me why I cancelled it. I didn't. "Your other agent did... for revenge for turning him in for his actions and poor customer service... Poor customer service came about because never filed a claim. I had on a comp claim for windshield."

Now I've been without a homeowners policy for my home for 4 days! Because of this guy. My homeowner agent said he didn't if it could be reinstated. This left with two options. The first was a call to the state insurance board here my state, the second to high level call to senior V.P. staff member of Allstate. She shocked that this happen to me, 41 years a loyal customer... And to receive such treatment, she promised me that everything would be taken care. I asked for a letter of apology be sent to me for the action and problems that this agent caused and to have a copy sent to my mortgage service company to show them it was Allstate's fault.

sent and received 9 excuses why they couldn't send or sent to wrong email, forgot to send, can't send pictures etc, etc. It took a call to state to get them to release this information to me.

Now reading the information I discover a number of lies as I read through the report: example home owner wasn't home to review. This was lie because the property is a gated access to enter and he was at the gate because I met him. Another problem. No fire hydrant within a 1000 ft. He was right there. It's 50 ft in front of the northwest corner visible from the yard. Another was no railing on rear steps. Umm three step up (30inches) and railing? OHSA doesn't require one until 36".

It was also marked for removal and the agent was informed of a pending addition at that site. Now this guy marked up this document to make it sound like the houses roof was in disrepair when the building he failed to remark about was not the house but the garage which the roofing material was being because a warranty issue class action lawsuit required to replace it. So it wasn't even up for discussion. So this non-renewal is looking more and more as a deliberate act by them because I wouldn't take my auto insurance back with them, they called me and tried hard... Bottom line, I thought well of this company, but they are over priced and lack real customer service and all about the money for them.

Update: house was re inspected by a outside firm from different insurance company and the only thing they recommended was the house looked like the roof might be do for replacement in about five years, I told in about three according to the BASF warranty life. I have now a better rated company by the insurance state commissioner offices (Allstate scores a 8 of 21, with over 1421 complaints for home owner and more for auto). This new company scores a 18 of 21. Better coverage, better agent, get this $400.00 less.

After thought, they wrote us up for having 5 just cars in my yard. These were the same 5 car that they insured before and now called them junk. Age range was from 1999 to 2012. All were current car tags... The first picture you see is the fire hydrant he couldn't find at a 1000 feet because it was sitting 50 feet from the picture. This just one of the examples than Allstate homes I've owned.

I am sending all documents & proof to journalists all over U.S. in hopes even one publishes this to protect other policyholders. Our public adjuster was getting nowhere until he told Allstate he was going to next level. We told him we were suing for bad faith if necessary. Guess what? Allstate paid for roof & said it should have been replaced. We knew that from day one based on what roof companies said. Our adjuster said 80% of roof companies would do for what Allstate gave so A-Best adjusted price to help us. We changed insurance companies and saved $1,600.00 a year by changing. Wow. We were with Allstate for 33 years and had no idea they were not only the worst but highest company in America. If this happens to anyone reading this hire a good bad faith lawyer. You have 2 years.

Then a notice of cancellation came dated March 15, 2017, only 7 days after the home policy started, stating my house was not eligible because I work out at my house. Even though I have an office outside of my home, I choose to work at my home. Allstate decided they will cancel my policy. They had wasted me hours talking to their agents and waiting for their inspection. I can't imagine how many professional works at their house, and they cannot get home policy. Their agents are not responsive. I had to call the corporate to get the policy issued. Then they assigned another local agent. The local agent cannot even return a phone call for an inquiry of the policy.

If there is a zero star, they deserve it. Do not use Allstate. They will try to send low quotes to get your attention, and then they use bait and switch to increase the price quote. Don't trust them. They knew I worked at my home when they came for the inspection. Even after they get my insurance business after their detailed inspection, then they decided to cancel my policy after all these work to get the policy issued. All State really needs to get their acts together.

Our agent never followed up with us regarding the claim. I called her after not hearing from anyone for two weeks and her response was "Well we don't get involved in claims." Really! Then what do you do? Thank goodness our house didn't burn down. We would be out of luck. Horrible customer service. Thousands of dollars down the drain...

I called the claims department to start a claim because Servpro said the damages would be over my deductible. Well the dryers were here from Feb 8th until Feb 12th. Well by now I still haven't seen an adjuster only to find out that Servpro was acting adjusters. They were telling Servpro what was and wasn't as though they were the homeowners. They told Allstate that my hallway carpet didn't need to be replaced because it wasn't as old as the bedroom carpet. They also said that I had mold and I didn't. They would never talk to the insurance company in my presence. They always went to their truck to talk. They took up my floors and we had to walk on plywood because of it and I have a bad back. My claims rep sucked as though she pays my premium. Everything Servpro said that's what she believed. I have called corporate and they are no better.

When the adjuster gave me my estimate after submitting my contractor estimate and her talking to him she tried to get him to lower his fee and he wouldn't. I told her that my vanity had water damage and she wouldn't consider it. I had a space saver damaged along with other things but none of it was considered. When she finished I had 422 to buy carpet for two bedrooms and a bathroom floor and a washer and dryer room and padding but the claims rep told me to go to Home Depot or Lowe's and price the materials and I did. And when I faxed her the prices she would not approve it. Then she said they were sending samples of my carpet to the lab but I never have heard back other than my claim was finished and to this day I have never seen an adjuster.

Also, they did not send us any email about this change. I feel completely cheated. They changed the premium, mailing address, last name without our knowledge and consent; at their own discretion so that we would not know that they made these changes and we will keep paying higher premium. And by the time we realize this it would already be 6 months to a year when we generally review the policy.

We had two independent roof inspectors come out and tell us our roof is organic and cannot be patched, but besides that not only have we lost a lot of tiles but the seals on the remaining tiles are broken now and with every gust we will continue to lose more and more. They are denying the roof replacement now on the grounds that the roof was poorly constructed to begin with (despite not being mentioned in the reports before they covered it/took premium or in any of the independent inspection reports).

When we called the claims adjuster, he hung up on us. When we asked to have his boss call us (via customer service) - Andrew- told us he was told to call us but had nothing to say and hung up. When we called our agent, George **, he told me he hated his job because he wants to help people and he can't do that with Allstate because he has nothing to do with why they deny claims.

He told us to rescind our claim since they aren't going to pay anything anyway and he didn't want it to count against us. He told us he doesn't understand why they aren't covering it and agreed it didn't make sense but he never bothered to even try to talk to the adjuster, and told us we should file suit/arbitration to get our claim paid instead and to save the receipts. That can't be legal can it?

So the contractors are finally done and they did not complete the payment on the claim. They said not until work is completed. Well it has been done now for 13 days and the final check they promised within 3 days never came. So I will be @ a 6590 deductible. They gave me nothing for the roof. They said they did not get to see it so they won't pay. 8275.00 added to my now 6599 deductible. Lies, misrepresentations and wiggle outs.

I would not recommend anyone insure with them. I believe they are patently dishonest. Pay your premium and have coverage that is only going to pay 20 to 30 percent. Their fine print screws you. They could not get a person out to assess the damage. My roof was leaking. I could not wait. I had to do repairs. Worrying about getting further damage gave them the uh oh! Should have put a tarp over it and waited. What a group of pirates. Good hands should be changed to sleight of hands. Any loophole they can create they will. I am embarrassed I insured with this dishonest company. My auto claim was just as bad. They offered half what it cost to fix. The body shop said, "That's the way they do it." Hope you will cash the check and buy a TV. They save thousands. What despicable people!

We have a 2 year old at home and the condition was not livable yet nobody cares. She finally got back to us after I called up the mitigation company and was complaining. The adjuster came out to do his job and cut me a check for what he thought the damages were. I had 3 subcontractors came out to do the evaluation. There was only one that seems to be reputable so I decided to go with his quote.

Of course the insurance company did not accept the proposal. They told me that removing the wall where the water damage is not necessary and that they can just paint it over. I told them my concern is not about making it look nice. There were concerns of mold and of course they told me that's not likely but yet they can't assure me that there is no mold underneath. The mitigation people that they sent over did not do the job correctly neither. They failed to check for mold and did not seal my basement and belongings before they start blowing industrial size fans which send dust particles everywhere.

All I can say is Allstate did not care whether I was happy or not with the service. If they can save any dollar amount on the cost of fixing they would. Long story short, the water damages happened right before Thanksgiving and it's now January 19, 2017 and I'm still going back and forth with the insurance. My agent is no help as I should've known from the beginning when she does nothing. They want to do the bare minimum and that's their business regardless if it affects you or not. At the end of the day they save money and that's all they care about. They only care to make your damages "looks" good instead of doing it the correct way.

I definitely would not recommend anyone to Allstate and will make sure everyone is aware of the situation I have to and is still going through. We have insurance for a reason and it's very sad that you pay for it yet do not get help in return when you need it. I might as well pay it to my savings account. At least I know the money will be there if I need it.

After the 6 months was over, Allstate came in and said to my Dad, "If only you claimed this after it happened, we would be able to process." Dad just shrugged his shoulders and said "I guess that's that". His priority was in a different space. But I told him it wasn't right that he never claimed a thing and they (Allstate) did this. He agreed but did not pursue. I am writing this in the hopes that anyone that may consider them for insurance turn away. They are heartless thieves. Mom and Dad are both gone now and no one in our immediate and expanded family will ever use Allstate in any capacity and we hope that you will not either.

When I called them their answer was, "well your insurance company changed your policy and it jumped from 1900 to 2300!!!" When Allstate sends policy review they mention everything except the price!!! By the time I learned all of this I had already canceled my policy with them just because I felt that I keep paying more! And after knowing all of this I called Allstate for explanation. They said "well sorry we can't review your policy because you already cancelled it!!" This is the worst insurance company ever. I don't usually write reviews, but I don't want other people to get scammed so be careful stay away from Allstate!!

I have called, written letters, talked to my local agent and congressional rep and nobody was able to get Allstate to allow us to remain their customer. The reason is because our claims were water related. I have never had this experience; i.e., being told by a company we do not want your business. Also, I never thought I would beg a company to keep me as a customer. I really thought Allstate was different from the horror stories I have heard throughout the years about insurance problems. It is unbelievable how insurance companies are allow to treat their customers and even more unbelievable is that we are forced to tolerate the treatment. Allstate is just like the rest... they love you until you need them and then, they are done with you.

I feel this company is a complete scam when it comes to costs. I was told rate increase was from other people making claims on their houses. Yet I never made 1 claim on my house yet my insurance cost went up 2 times. I did find another company which I am much happier with and they do not overdraw my bank or raise my rates constantly. I feel I am due a refund for the money they overcharged me for years.

Vendor Estimates were over $40,000!! They delay, delay, and lowball settlement offers. I could not even start the job as I did not have the $25,000 difference. 3 Months passed. MOLD GREW due to delays. Costs escalated. They want to wait you out. They take NO responsibility. They refused additional living expenses so I could not even obtain equal living quarters during this time. I had to contact the STATE BOARD OF INSURANCE TO REPORT THEM.

They refused to pay fair market value for wood flooring -- they assign the lowest possible value to your home at payout but highest value to set monthly rates they charge. Same problem with electrical. These were not upgrades -- they are replacements. This is November and the nightmare continues... INSANE and unethical. PLEASE REPORT YOUR ISSUES WITH THIS COMPANY TO YOUR STATE BOARD OF INSURANCE.

While I understand adjusters have a job to do, not once was I reassured that Allstate was in my corner. Quite the opposite was true... you can tell a very STRONG emphasis is placed on them to get OUT of paying claims, and ZERO emphasis placed on quality customer service. I did not appreciate being called a liar - especially when I gave them all the proof they needed for the claim.

The thief has a long history of stealing and drugs, she is in jail, but I don't know where to find my stuff or some of it at least. I been suffering a lot from this situation even with my health with no help at all. And I used to think that AlllState is a good company, and they will be there for us BUT with this experience it came out to be it is a very bad. It seems that I have to get the media attention on the whole situation through Internet, newspaper's or whatever, and hire an attorney to file a lawsuit even if he will take all of the money from this claim. Their renters insurance claims department is horrible, they make me suffer more on the top of what I have from my loss and damage.

The part that really offended me was that this guy's manner. He treated me as if I was the one who kept asking for money or arguing with him about the policy. He was defensive in the beginning of the call and kept going on with his argument. Then I asked for clarity on some damage coverage statements. He cut my question and repeated the same argument quickly as if I couldn't understand his statements. At that point I already got angry on his tone of the voice and manner. This unpleasantness ruined my morning. I don't know what type of call he made right before mine, but it was really unfair and offensive that I was treated as such since my claim was about investigating the situation with them and understand it not getting money from them.

If they could simply explain how they investigated the case and answer my question in polite way, I would've been ok with this situation. I don't want to worry about talking with rude people in the future, especially when I am worried about the accident happened in my house. I appreciate companies with polite, right mannered agents and apparently Allstate is not one of them.

Allstate claims that all of the chipped tiles are due to a manufacturer defect. So in their view, they are saying that at least 50 concrete tiles all chipped, on their own, in less than a year with no weather related damage. Other homes on my street with different insurance companies but the same type of roof ARE covering the damages to their roofs. I will not continue to insure my home with Allstate in the future.

After 3 months they came back stating the claim is denied. When we asked why they said the property manager said on the phone that the damages are not due to rain or wind. When I asked the insurance company whether the property manager gave anything in writing they said no, stating verbal communication is enough to deny the claims. I submitted all the email communication which I received from the same person to insurance stating it's the storm but the insurance company without any written communication or letter from the property manager denied the claim.

After arguing for over a week, someone called and admitted the policy was being jacked up to cover the jewelry (even though I listed them in the online quote to the penny) and insisted we were called and this was discussed and we agreed to pay this. They actually increased the premium 500% and didn't call - just expected us to pay. Laughingly, I asked her if she was being serious in asking us to pay $3500 per year for a renter's policy. She was dead serious. Asked to cancel it immediately, kept trying to talk me out of it and insisted I needed to send her an email to confirm the cancellation. That's more money than my parents paid for homeowner's insurance. Lol. Avoid.

Next day I received a call from Diane's manager asking me why I did not choose Allstate. I explained and he ended the called saying that he was sorry about not getting me to sign. I then received a call from my mortgage company and that is when I found out Diane had called them and told them she was going to be my insurance agent. I said "no way." I had already signed with Traveler and spoke to another MORTGAGE REP. WHO CONFIRMED, SO THAT agent who spoke to Allstate called them and they had to resolve that between them.

Now I just received a letter from a CC. A debt collection agency stated I have a past due debt with Allstate for the full amount of a policy I never signed nor agreed to. They kept sending me paperwork to sign and I never did. I repeatedly told them I did not want their homeowner's insurance. That I had insurance with another agency. I feel like I am not in America anymore. This is a terroristic move by ALLSTATE to take my civil liberties away. I HAVE A RIGHT TO CHOOSE WHO I WANT AS A INSURANCE COMPANY!

Everything was moving along smoothly until we were in our house for 3 days, then we received a cancellation notice for our homeowners policy due to the fact the "5" shingles on our roof were worn a bit. So then we moved on to another home owners policy, not that much headache involved. At that point we start getting notices from our bank about being overdrafted in our account...which by the way our account has never been overdrafted in the 3 years it has been open. Allstate was debiting money out of our account for the life insurance policy. We contacted Bonny ** for 3-4 straight days by email and telephone leaving several voice mails as to why Allstate was debiting the money out of our account when it was supposed to be taken out of the escrow account.

Finally on the 4th day we received an email stating that she worked 5 separate offices and did not have time to keep up with every finite detail of her customers' lives and that we should have contacted her before closing on our home so she could have it set up that way. Also in her response was a statement that we purchased a policy and now we had to pay for it, the policy was not free of charge. We conceded thinking our mistake was not notifying Bonny ** about our closing. Ms. ** said now that the closing had taken place we could not set up the payments to come directly from the escrow account. We apologized and corresponded with Ms. ** about the payment and requested that all future payments come out of our bank account on the 21st of the month, not the 5th of the month due to our pay schedule. Ms. ** assured us that this would be no problem and we thought all was settled once again. It was not!!

We continued to get cancellation notices from Allstate due to lack of payments. Again keep in mind we started the policy April 14th 2016 and paid her $90. May 1st Allstate direct drafted $91 from our account. I contacted Ms. ** about the cancellation policy notices and she stated that it was a billing issue and it was out of her hands and we would have to contact them to get any issue resolved. When we contacted billing and spoke with Christy she stated that it was set up on quarterly billing and that would be easy to resolve. However due to the fact that we wanted the payment date changed from the 5th of the month to the 21st of the month, we would have to send in another $91 and also on the 21st of July another payment of $91 would be direct drafted from our bank account. In doing this everything would be resolved and we would be caught up on all payments and everything would be resolved. It was not resolved.

On July 22 I called the bank to make sure the direct draft came through - it had not. I called Allstate Customer Service Line and was told that the policy was in cancellation due to non payment. Summing up all this mess we have paid out $$270 and have gotten nothing in return except headache, stress, grief, and horrendous customer service. Now in order to cancel the policy we have to fill out a cancellation form and after Allstate approves it should they deem any refund due they will cut a check at that time.

I will not recommend anyone purchase any policy with Allstate. We were not in good hands. As far as we are concerned Allstate Insurance is nothing like they advertise. Buying life insurance and home owners insurance should never be this stressful and hard. We have never had such a horrid experience anywhere like the one we encountered with Allstate Insurance and its agents. Please please please take our advice and run when you hear the words Allstate insurance. Trust us you will not be in good hands!!!

In other words Allstate recovered all of the monies that was paid to us for the damages incurred, an SUV struck our garden area destroying our brickwork. The non-renewal statement clearly shows both claims with the latter indicating $0.0 paid. It is beyond my belief how an insurance company whose slogan is "You're in good hands with Allstate" can be so heartless and drop a customer who has paid insurance for 15 years, but because of two claims which totaled less than $4000 can drop a customer with two months left on our policy.

My recommendation to anyone considering going to Allstate for homeowners insurance is to not even consider them in the first place, and for current policyholders I would seriously consider looking into another company for insurance. Allstate should change its slogan to "You're in good hands with Allstate, until you file a claim". Apparently Allstate only cares about those customers who never file a claim. I thought the purpose of insurance is to cover your home for damages, but in Allstate's case its only purpose seems like to collect your money and hope you don't file a claim or two. This company turns out to be probably the worst insurance scam I have ever heard of.

Apparently Allstate never heard of the power of social media. This letter to ConsumerAffairs is only the beginning, I intend to put this company on blast until it reaches the media, enough is enough with this company. I had no idea Allstate was this bad, and to find out how bad this way, makes it even worst. This is not the way to treat loyal customers, Allstate should be ashamed of itself. The claims filed were NOT of negligence, and was through no fault of our own. With the notice Allstate has the gall to state "Feel free to contact your Allstate representative to see if there are any ways Allstate can continue to work with you to meet your insurance needs". Really, why would I want to be a customer after this. Never again, not homeowners, not car, not rental, no insurance products ever again from Allstate for this household. I intend to pass this on to as many people as possible.

So yesterday I finally call the 800# to clarify some things & just to verify I even have a policy, which they confirm I do. But I still feel leery. I mean who hounds you & then ignores you but makes you think a company is reputable? And I found out that most things can be handled by the 800# so why are there field agent offices? My car company, Wawanesa, doesn't have field agencies. It's a company & I never had an issue with a claim so this is weird to me someone courting you then "dumping" you once they get your money.

Plus, I'm worried if something does happen, because the policy written isn't correct, that they'll deny any claim if they realize I don't live there even though they said it wasn't an issue. Why lie? Apparently my fiance's policy is written the same way, but he hasn't dealt with the guy in over 10 years (no claims). I think I will look into Liberty Mutual. I know a couple of people who have them & rate them very high.

I called the agency when I got home, still upset, and demanded to get answer as to whether or not they were going to reinstall the policy or if I needed new insurance. The agency was unable to give me an answer. Fed up I left a negative review on their Facebook page. The agency owner reached out and asked to speak with me Monday to fix the problem, which I agreed to.

One of the girls at the agency wrote a reply to my post telling me to go elsewhere and made an outright lie about a conversation with my wife. I contacted the agency owner and told him that since his people wanted me to go elsewhere and called us liars, we would not be looking to contact him. 15 minutes later the Facebook posts were deleted. What a mistake we made to save some money. Mayhem? Allstate and its agencies are the real mayhem. Hopefully someone will learn from this and not make the same mistake we did. Never been treated so rudely and unprofessionally in all my life.

My mortgage servicer called them. My mortgage servicer said what they did was ILLEGAL. ILLEGAL to have 2 insurance policies. It was agreed to refund what my mortgage servicer had paid them. Weeks later I receive a Cancellation Notice with a partial refund! Finally months later I did receive the full amount. Maybe it was an honest mistake, (who knows maybe that is why the person that initiated the quote was no longer there). If I had been treated courteously and if they had admitted I never had a policy and was sent the full refund I would feel differently. But this has gone on for months with several hours on the phone. I am filing a complaint with the Insurance Commission.

Allstate claims adjusters stated damage was "long term" and or maintenance related and therefore not covered. Their assessment incorrect as I have requested numerous times for Allstate to provide proof when damage started. They cannot provide that information or proof of damage starting. Therefore, they have not proven that it is long term damage. Over $6,500.00 damage, of which Allstate should have paid out $4000.00 to cover cost of damages. I have both Allstate Homeowners and Allstate Flood insurance and with all this coverage, Allstate refuses to stand behind its product and service. If you think you are in good hands with Allstate, you are sadly mistaking.

First off my homeowners insurance was a little higher with them but I was getting a significant savings on my car insurance. The first issue was they told me they would take care of cancelling my current insurance policy but they did not then they acted like they didn't know what I was talking about. Luckily American family refunded me for the extra six weeks I paid them. Second, they kept sending me a partial bill for my homeowners insurance. I called numerous times to straighten this out. This bill was to go to my mortgage company. I had to provide them with the contact information numerous times. They are A big company. They should know how this works.

Third, they sent an inspector who decided we needed a new roof. Our roof was not horrible but did need to be replaced in the near future. They decided this a month after the policy started. They gave us little time to do this and who puts on a roof in March in the Midwest? They said they were cancelling the policy but would reinstate it when the roof was complete without a lapse. We got a new roof in their timeframe but because they took too long to send out an inspector the insurance lapsed. They reinstated the insurance about three weeks later. In the meantime my mortgage company tacked on some insanely high priced insurance because we didn't have any. So that was all done with and I was like "ok everything's good now."

Haha I was so wrong. Today I'm balancing my checkbook and see Allstate took out $544. I was signed up for monthly automatic payments for my auto insurance, which should only be $100 or so. Naturally I'm fuming. I call my local agent thinking it has something to do with my homeowners insurance again but she tells me it's my auto insurance and she doesn't know what the deal is but will call back later.

She calls back and tells me they made changes to my auto policy. Changes I have no idea about or authorized. She goes on to tell me that because I don't have proof of continuous auto coverage I lost that discount. So my insurance went up $1200 for a six month period. Mind you my insurance was $600 for six months. I was like "that's not true. I've had American Family for the last 15 years." My policy with Allstate started 2-19 and my coverage with American Family ended 2-23. There was no lapse. I've had Allstate for three months and they're just coming up with this now. No one contacted me about this.

The lady at my local agency tells me they will charge me $544 next month too. I argue with her for a while that I did not authorize this charge and would never pay $1800 for six months of auto insurance. I didn't get anywhere. She tells me to call American Family and have them fax her the information stating when my insurance ended with them. They do so quickly. I get a call back from Allstate saying they received the information but it's not good enough for them. They need a special form that comes from corporate headquarters but she talked to American Family herself and they were going to get that for her. Once they get the form she will have the underwriters review it but that could take 7 days.

Next American Family calls me and says Allstate is being difficult. He says this form will take 7 days or so to process but he will get it to Allstate ASAP. So now I'm looking at two weeks at least to possibly see my money again. Another interesting thing is that there seems to be this magical database for all insurance companies that has all this information from all insurance companies. Both Allstate and American family mentioned it but somehow American family could see that I had insurance through 2-23 but when Allstate looked at it my insurance ended in December. Weird? Why did it take Allstate three months to come up with this. Obviously when they gave me the quote three months ago they knew I had insurance when they gave me this discount for having insurance. Three months later there's an issue? They never called and said there's an issue. If they had I would have taken care of it.

I regret setting up automatic payments but I did this with American Family for 15 years and never had an issue. I was always notified when there was a change in the amount they were taking out of my account even if it was a few cents. It's complete fraud. It's stealing in my opinion. I work hard for my money and feel ripped off. I filed a complaint with the Allstate corporate office but have not heard anything back yet. This is a major insurance company. They know what they're doing but they sure play stupid when you question them. They pass the blame or make up ridiculous excuses. Not professional at all.

I'd love to get a lawyer because surely this has to be illegal but that would cost more than I lost. I am hopeful that I'll get this "straightened" out and get my money back. I'm sure there will be something else that comes up. I plan on looking for another insurance company after I get my money back. My advice is to stay as far away from Allstate as possible. Do not give them your business unless you like spending all your time dealing with them and having your money stolen.

I am very disappointed in Allstate. I have had the Auto 35 years and homeowners almost 12. If I could find another company that would take me I would leave Allstate in a skinny minute. I can't sleep. I stay keyed up all day knowing that I am going to lose my home. I just want to thank you so much for your non-help in this matter.

And auto repair... when auto repair goes up, auto paint, labor, parts, etc. the cost of insurance has to go up to keep up with the cost of repairs. If you have a widget you're selling... and you have to get the parts from 4 different companies and those 4 companies raise their price, the widget price has to go up because cost of goods has gone up. Once it was explained to me I understood better. No one likes to pay more but at least I understand now.

We live in a HOA which does not allow us to have mismatched shingles and Allstate knew this before they insured us. It has been an ongoing battle since this happened. The adjuster that they sent out bragged about how he is not giving any of their customers roofs. A couple of our neighbors were able to get another adjuster to look at the damage and are now getting their roofs but for some reason, we cannot get them to send another adjuster to look at our damage or to reevaluate our claim. For those that have AllState, please get rid of them and for any others, don't get this company. "You're In Good Hands With AllState" until you need to file a claim.

I called Allstate and filed a claim - around March 10, they sent inspectors out and then engineers. The engineer that was to inspect my roof and chimney did not bring a ladder and could only take pictures from afar. He took pictures of the stones that had been sitting out in the wettest 3 months I have ever seen. It flooded 2 times and rained every day for 2 months and then claimed the damage was from deterioration and the discolored ceilings were from long term leakage. The ceilings have been up and intact for 40 years. The electrical inspector said the fuse box had discoloring but nothing else. I even pointed out to him the section that the circuit breaker upstairs was attached to was not only discolored but burnt off the box.

Also I showed him where my power usage was negative the day of the strike (where electricity flowed backwards thru my meter into the lines outside). Ignoring all this and the 2 inspections I had done, Allstate said the damage was not storm related and denied the claim. Then sent me out a non-renewal notice due to un-repaired storm damage citing the roof, chimney and breaker box.

The following day (Monday) I had a leak detection team find the leak and I also spoke to the claims adjuster to discuss the details. Right from the start the claims adjuster stated that the leak and all the damages would not be covered if the problem was found to be in the slab. He was also extremely rude and uncaring for the situation I was in. Needless to say the hot water leak was in the slab; however, the line went from my hot water heater to my bedroom and then was routed under the floor to the kitchen (completed by the builder at the time). This should have been completely covered. Furthermore, the inspector arrived at my house on Monday, stayed 5 minutes, took a couple pictures and told my wife nothing was covered - slab leak... Keep in mind this was not a slow slab leak, rather a sudden pipe burst.

Once we heard that comment we rushed to the Allstate office to discuss the matter with the agent - the agent tried to make phone calls and stated he felt it should be covered, but his hands were tied - I find that hard to believe. We even tried to reason with the Adjuster and he literally laughed on the phone when my wife and I were going through our concern with the denial. This was all captured on speaker phone with the agent present - he did not come our defense once. The adjuster thought this was funny while our house sustained $20,000 in damage. Long story short, this was my first claim in 15 years and Allstate completely left me out to dry with $20,000.00 in damages....

Now on to Blackmon Mooring. As I stated I declined to have the company come to my property on Easter Sunday. On Monday night two people from that company actually showed up at my house and asked if I was ready for service. I told them to leave, I did not want nor need their service. They left and as they were leaving they took a picture of the front of the house. My wife ran out to see what they were doing and the driver stated "My supervisor requested that I take a photo so we can bill for a visit".

I brought this concern to Allstate and it fell on deaf ears. Apparently, Allstate feels as though this highly unethical behavior and fraudulent activity is something that is completely acceptable. All I can say is Allstate does not care about the customer and the customer is NOT in good hands with Allstate - it was a battle from the time a sudden and accidental discharge of water from a burst pipe that is a part of the insured dwelling completely ruined my wood floors, baseboards, and carpet.

After I was quoted an amount from my local agent which was incorrect, they are not willing to do anything about the situation. But I'm not going to stop to get my money back and to let people know how shady this corporation is. I've never in my life been treated like this so poorly from any company. I worked in retail for 35 years and if this were my company I would be embarrassed. It's not even just about the money. It's about the fact that no one is willing to even apologize or do anything for me.