Allstate Homeowners Insurance Reviews

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

I did that and a week later, I received three checks totaling 9680.00 dollars. So I put the checks in the bank and waited for them to clear and 4 days later, I took the money out of my bank and handed it to the contractor. He replaced the roof and repaired the gutters that weekend and I was very happy. I got a phone call from my bank a week later and the supervisor at the bank said that Allstate is not paying for $4800.00 worth of the check. I said, "why? They can't do that". She said to "contact your insurer and let me know". So I called Allstate and they keep giving me the runaround. They won't issue me a new check even after I showed them that my checking account is negative $4800 and still growing from all the late fees. They don't return my phone calls and now they are refusing to resolve this matter.

I need help. Can anyone help me? I don't feel like I did anything wrong. How does an insurance company send you checks and the bank tells me they cleared and after I get the work done, they cancel them and will not reimburse me the money? They give me the runaround and won't give me a straight answer. Please help me.

Kirk from Avalon said before he touches, anything he needs to talk to the insurance company because this is a lot of damage and it's going to cost thousands, and he needs to know how much we are covered for. I called my insurance company on phone, then put Kirk on phone. He told them the news and got the approval to do his work. He pulled up all the carpet and tile on floor. Then brought in 5 fans and 3 big machines to dry up the water that was very hot. They never sent anyone to come over to look at the air conditioned and under the house.

We have gnats, I believe, coming from the vents on the floor from all the water. I have sent 2 certified letters to them about this matter but nothing yet. Then they called me today June 9, saying they will send a check for $8,699.00 but will be payable to the loan company which our home had been paid off . So I guess that's the hold up.

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

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

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

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

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

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

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

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

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

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

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

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

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

August 19, 2010

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

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

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

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

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

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

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

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

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

July 27, 2010

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

I called Scott who had a memory lapse. He said that there was nothing in my file. Anyway, it ended up costing me $140 due to having to pay”uninsured fee" with Citizen's insurance. In addition, I didn't have insurance and had to wait 30 days for my new insurance to be active. I want my money back. I have written to the President of the company. He refuses to acknowledge that there is a problem here. It's very frustrating. Please help me get my money back. This is fraud and theft.

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

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

Everything seemed fine till I went on Allstate website to pay my payment and spotted the claim was totally shocked. The pictures taken by the adjuster was of the garage but also included our mail box, our house, and several comments. I called my agent, and she was unaware of the photos. I told her the pictures were of the renovations being performed on our home to upgrade the deck and home exterior. The adjuster never even took pictures of the damage to the foundation of this garage. I called her, and she was unaware there was any. I told her I would send photos, but she said to just send her the bill and they will cut a check.

She didn't properly do her job on this matter; she was to interested in our renovations. I thought nothing more about this till several weeks later when I got a call from my agent stating that I had 30 days for all renovations to be done. I told her this was major work being done and may not be done in 30 days. She said they had to be done and to just cover it up till the home inspection then they could undo this and start the renovations over again. i told her a cover up of this was not fixing what we were working on and we wanted this done right. But she insisted it had to be done in 30 days to keep our insurance. We went in to panic mode and start the repairs faster, and if need be, would cover it up if not completed.

With a month to complete, we received a letter from Allstate risk management which stated we need to seek insurance elsewhere, as in 30 days, we would no longer be covered. Again, I called my agent. She stated this is standard and that once the repairs were done, they would still have our insurance. We took no chances, while we still are working on our home every day to complete the renovations. I started looking for the new insurance for all 3 SUV trucks and our RV and home.

I am now in a better policy with 1/2 the yearly cost. Allstates good hands just slapped me in to something better, even though I have been with Allstate for over 35 years. I found the Hartford Insurance was a great savings, so losing my good hands insurance (ha ha) was a blessing for me and Allstate will soon get their termination notice in July, not just our home but all the vehicles.

Allstate, you are losing valued customers. I will send the notices to you for July 1, and with pleasure, let you know I have a better rate and policy and will be a very happy former customer. Thanks for this, as I now save money and have a great insurance policy!

I have talked to countless people at Allstate and each time I get a different story. They told me that if a loss is sudden and accidental they would cover it. The two feet of water in my wall was sudden and accidental and so was the mold. I talked to Andrew **'s boss who told me that anything over seven days was weeks. I had a brand new $30,000. kitchen put in last year, now I have not had a kitchen for almost five months.

The back of my house is open and the mold is supposed to be inactive, although it is still there. I tried to explain to them that I have COPD and it is hard for me to breath in this house, but, they do not care. The plumber, Hawthorne Plumbing of Las Vegas, NV. has an insurance company that has offered me $7000. to fix everything, that won't even cover the Mold remediation and replacement of my back kitchen wall. I am against a brick wall and do not know where to turn, I am a Senior Citizen, I don't think that I should be treated this way.

My kitchen is completely gutted, the back wall is open, the cabinets with mold on them are outside by my pool. All of my Antique furniture is pushed to one side of my Living Room, part of the floor is gone, part of the wall is gone, there is still mold in the living room and kitchen walls. Physically, this is very demanding on me, economically, I have to eat out a lot because my kitchen is not intact, my range is in the dining room, not plugged up.

I called another insurance agency to get a quote, and they said that the system shows I have filed 3 claims: 1 for the garage door, 1 for the roof and 1 for water. I only called to inquire about the water part. No one came out. I truly only have 1 legitimate claim and that's for the roof, but I can't get insured by another company now until these fake claims fall off (they take 3 years). I'm assuming my rate went up only because they paid a claim on my roof, which is wrong. I cannot wait until I can drop Allstate, and I will!

They held my wife in Vince's truck, made her sign a paper. Vince told her if she didn't sign, they wouldn't pay a dime. Now, we relocated, are refusing to pay for the entire sq.ft on purchasing the house. There's a complaint against Rogers ** on the web, family taking him to court because he bankrupted a family. Allstate refuses to give anyone in any state a policy? What the **! Insurers only get a declarations page! The Commissioner of Insurance Complaint Dept. can't help nor can the Commissioner of Insurance in Frankfort, KY.

They all say, it is Allstate's policy. Well, when did policy take precedence above the law? No one in Frankfort can do anything with Allstate. What about that! Pay your money every year, get nothing in return. Lawyers can't help. Why is on one doing anything about the damn crooked company? I would love to testify against them. No money or thank you required. They are the dirtiest, cruelest bunch. We were really at motels' mercy. After we paid the mortgage off, we pay everything now. Please call me anytime. I want to go on television, Congress, whatever.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Our daughter was in a major car accident. We had full coverage and had to fight for 13 years for justice. In a court of law, we were awarded 1.4 million dollars in damages. These are people’s lives. These are our children. These are the loved ones that we think we are protecting, but in fact, when you buy a policy with Allstate, you are buying a cheap piece of paper, nothing more. When you need them, they will not be there. During the 13-year lawsuit, we have watched them lie and lie and lie and lie. We have watched more evil people lie than you can imagine. One attorney for Allstate claimed we took our daughter to a doctor after her accident and asked the doctor to tell her she had an injury. Can you imagine such evil, such deceit!

I want everyone to know that if you never have a claim, you are in good hands. They are good at taking your money. If you have a claim, they will lie and find clauses to make sure that the insurance you thought you had, you in fact do not have. Every time and in every way possible, they will trick you and wear you down over and over again so you get tired of fighting. They intimidate, they lie, they twist the truth, and they will stop at nothing to make sure you do not get a fair and just settlement. You are in criminal hands with Allstate!

When we were unable to contact Mr. ** at his business number, we called the Allstate headquarters toll free number and ended up talking to a customer service rep (Brian) on 10-24-09. We informed Brian of our concerns about having a policy that did not reflect our existing home. We were told our existing policy was for a "stick built" home and our home is a manufactured home. Brian was informed by us that at the time we took out the policy with Allstate, the agent was informed we were in a manufactured home and provided the agent with the make and model plus square footage. When we were asked if the agent had inspected the property, we advised Brian that we had never seen or heard from any Allstate agent since we opened the account with them.

We expressed our concern that this misrepresentation of our property could (if we had submitted a claim) cause Allstate to not allow our claim. Brian indicated that Allstate would honor the claim if submitted, but would require re-writing a policy reflecting the manufactured home. We advised Brian that now that we know there is a problem, shouldn't we have a revised policy if something should happen that would require a claim. Brian said he didn't think that would be necessary, but since we and he were unable to get through to our agent in Edgewood, NM, he would transfer us to an agent here in Deming.

We were referred to a lady named "Mary Kay" at **. She said she could provide us with coverage right away and would call us back as soon as possible. On 10-26-09, we were contacted by Mr. Robert ** of Allstate in Edgewood, NM, who advised us that he was not the original agent who wrote our policy. He had only been given the policy a few years ago and the original agent no longer worked in that office.

After we explained our concerns about the irregularities with the policy (Mary Kay had indicated our policy said we were inside the limits of the city of Deming) and if Allstate could use this as an excuse to disallow us if we had submitted a claim, Robert assured us that Allstate would not ever do such a thing. Robert explained that they (Allstate) would simply pay the claim and close the old policy, then write the proper policy for a manufactured home. Robert indicated that if being inside or outside of the city limits of Deming made no difference. Plus, an agent could have inspected our property without contacting us and simply taken a picture of the exterior.

On 10-27-09, Robert contacted us to provide us with a new quote for a policy on our manufactured home. He assured us that we could simply write a new policy that would take effect after the old policy expired (Policy # ** exp 12/1). Robert also indicated that we had his word that Allstate would not require us to any payment of fees for back coverage since the misrepresentation was not of our doing. Robert gave us a quote of $531.00. We expressed to Robert that we felt the reason the original agent failed to give us a policy that reflected our actual requirements was that he could bid below any other legitimate offer.

While calling around for offers of a new policy, my wife, Carol, received a call from Allstate's "Customer Resolution Department." Ms. Becky ** advised her that if we were to pursue this complaint, Allstate might "back charge us!" This had all the feeling of a not-so-veiled threat that only added insult to an already open sore! Becky's phone number is **. I called Becky back to ask her if she may need to talk with agent, Robert **. She was not available even though it was only about 2:30 PM DMT and she has not returned my call as of yet.

It is virtually impossible that our home, in the middle of the 6 others, has no damage. Two different adjusters from Allstate came and looked. The 1st one took pictures and reported minimal damage. The second one said that it would "look bad" if he contradicted the other adjuster. However, he approved money to fix the leaks inside the house. If the roof was not leaking, why would you give us money to repair the leaks inside? Is that not an admission of damage? The fact that he did not want to contradict the other adjuster should be proof enough. Another Allstate adjuster told our neighbor that the subdivision was labeled a "Natural Disaster" as a result of this particular storm. That the claims are not going against premiums. It was an "Act of God".

There have been over 200 roofs replaced in the subdivision. I can get a list of all of them and the homeowners’ names. Allstate continues to drag their feet on this. It is now in the hands of an advocate. It has been over a week. The most recent roofer is prepared to state the damage from hail and wind. We continue to have interior damage when it rains. Consequences: ceiling damage on the interior ceilings which Allstate has paid us $1,500.00 to repair. The cost of a roof replacement is approximately $8,000.00 - $11,000.00.

My sub-floor, drywall, kitchen cabinets, tile, vanity, tub, insulation, and back splash all had to be removed, and of course, everything had to be replaced. I called Allstate and they sent an adjuster out to survey the damage. After his assessment, I was told that since the damage was caused by leaking water and was not the result of a burst pipe, they were unable to cover the water or mold damage. I called my insurance agent and he was totally ineffective. He offered to try and get us some help but he never even called back. I also called Allstate in Charlotte and appealed to them to reconsider their decision. Their answer was, "I'm sorry, but your policy doesn't cover this type of loss. You should get the person who installed your toilet to pay for the damage, and by the way, thank you for being a loyal Allstate customer." What a joke.

Allstate just excludes any loss that they have had to pay for in the past. They pick and choose what they will cover. The policy should just list in plain and simple English what they will not cover. My policy is smoke and mirrors and subject to Allstate's interpretation. Also, why does Georgia allow Allstate to exclude this type of coverage? Just think of all the two, three and even four story homes in Georgia that this type of incident could affect. If I could've seen into the floor or ceiling, then I would've fixed the leak. Since it was hidden, there was no way to know, until saturation. I guess I should be happy the ceiling didn't fall on my head.

I now have one credit card with a limit of $7,500 on which I have a balance of about $4,000 and I pay up to $500 per month on it. I was told the amount owed was more than it should be in regard to my credit limit. I have never had a late payment on any account in all these 45 years and actually paid off my home early. And for this, I am penalized because I do not have a bunch of credit cards and do not have any kind of mortgage. What a crock. That is what is wrong here in America and why there are so many foreclosures. PS: I am a former employee of Allstate.

Now I understand depreciation, but there is no way that this boat depreciated $18,000.00 in less than four years. She said she was talking to a boat company in Florida that was familiar with these boats to get another quote, that was over a month ago. I've been calling several times every week for over a month, she refuses to return my calls and I feel like I've been severely taken advantage of. I also feel that I've been a victim of fraud. Since I was told that I needed to pay for a $27,000 policy and my boat was totaled, I feel that I should have been paid $27,000. I'm frustrated and don't know what else to do. Like I said, I can't even get the office to return my calls. Please help.

We have had to go to our bank and take out a loan to pay the company that did the repairs on the house. We are out several thousand dollars. My husband and I are both on fixed income. This has seriously hurt our finances. It's going to be very hard now to get through the summer with what money we have left.

First, the stress that this has caused is very hard to deal with sometimes. Because we do not have $7,000 to pay for a new roof, we are being told by several roofing companies that our roof will start leaking and if not replaced, it will cause other damage over time. This hailstorm caused holes in our roof, loose shingles, dents on our gutters and dents all over our car. We are still finding damage all through our community. The roofing companies are saying Allstate should be ashamed of themselves because other insurance companies are stepping in to help their customers and Allstate is the only company within our community that is not doing the right thing. Shame on you Allstate!

So my question to him was that since we fixed it the very day it was discovered, what happens to all us baby-boomers if we have a cabin by the lake and arrive in May to find that a pipe burst during the winter and flooded everything? Nothing would happen. Why in the name of everything holy have we paid faithfully thru the years just to have the first claim we ever made blown off? In doing research, I find that even the employees are talking on-line about how corrupt upper management is. Let's face it, people, think about how your health insurance has the power of life and death over you by what they will authorize and then think Allstate. Sad as it is, insurance companies rule the world and only allow us to take up some space.

I also called father's Allstate insurance agent on 5/15/09, Juan **, and explained the problem (as they still handle his apartment insurance). Juan said he would send Cathy ** an email. Well I tried calling her today and the message is "She's out for an extended period of time." So I don't know if she will ever see this email Juan sent her until well after the fact.

I have no theft coverage for my home. I just pray that my alarm system can protect my home until someone will review my report and see that these fires where beyond my control and give me a second chance to have the proper coverage I deserve. Allstate has really disappointed me and I hope someday I can find a company that will not judge a customer by the amount of disasters they have and review each case carefully before dropping them. I hope that I can have again all of my insurance coverages in one place again. Thank for listening.

If my claim is not taken care of in the near future, we are going to the bar association and file a claim against Allstate and we will file a claim in court naming as many people as necessary to get this matter taken care of. I am getting tired of people passing the buck and no on cares about my loss. I need action done on my claim by someone or I will do it myself, and you won't like the way I will do it. I will get action.

This time they said that rear half of the roof suffered hail and wind damage and front half of roof had wind damage. Allstate will only pay to have rear half of the roof replaced and the front half of roof re-glued down. I have requested supervisor to come out and recheck roof. Having half of the roof is nitpicking. It will look bad (house is ten years old) and subdivision is covenant protected and will not allow half of the roof to be replaced. Said aesthetics will look bad and color will not match.

I'm waiting for supervisor to have final say. I will advise when that is done.

When first one of their telemarketers called, I explained to them what was going on and requested they stop sending my mail as I was not interested. The harassment continued via mail. I called them and explained the situation to one of their agents and she said she would pass it along. Still, I continue to receive bills. My concern is that they will try to sully my spotless credit rating and it's causing me unnecessary stress. My job is already stressful enough.

In the year 2008, I noticed that my 'clay shrinkage' was becoming worse and the roof getting bad. During this time, my neighbor 2 doors down from me had the same exact problem and his was deemed a sinkhole so his insurance paid for everything. There I was, with my house falling apart. I consulted a lawyer who suggested I open a new case with Allstate, so I did. I had to wait all summer for the engineers to get back to my insurance company about my house. They once again told the agent that it was clay shrinkage and was normal. No, it is not normal for the south side of my house to be getting ready to fall. None of my other neighbors' houses are doing that, so how can it be normal? The roof is also worse and it rains inside, I am so afraid the ceilings are going to fall down.

I bought the house in 1992. I have lived in homes for 46 years and never heard of clay shrinkage, neither has ANYONE else I know, anyone!!! My daughter and I now live with someone else and it is not a good situation at all. We used to have a life and now we live in two rooms as we are not allowed to use electricity etc... There we are (It like being a zombie.). We are absolutely heartbroken. I can't sell my house in the condition it is in, nobody wants it, I just want my house fixed, if I can't get it fixed, I will have to foreclose. I will NEVER EVER buy another house in Florida, that I know. Real Estate agents really need to warn people about this 'clay shrinkage'. Florida is not like other states, there are too many water tables etc.. My life is ruined, absolutely ruined.. I want all my premiums back from Allstate as there was no reason to ever have had house insurance, not in Florida anyway. I also think Allstate owes me punitive damages for me and my daughter. I think Allstate owes me big time.

That week Rogers ** meet with us, took a recorded statement and gave us an emergency assistance check - agreed to come, from the difference of our contents compensation. He told us that there would have to be an investigation due to such a large loss. We agreed to everything they asked of us; we wanted to know ourselves. So I met with the fire investigator while he was removing my window unit air conditioner. I asked him if he had any idea what happened, and immediately he started asking questions about smoking in my house and the people I was with the night it burned. I told him everything I could at the time about the nights events of the date the fire happened. Well our additional living expense paid for our hotel at first then our apartment and rental furniture just as they said they would. We had no reason to assume anything was wrong. That is until I received a call after nine o'clock at night by Wilber ** from Allstate.

He asked me questions about the night of the fire - my kids, my marriage, and other things about our life. I thought it odd and asked him why all the question and he told me he was just making small talk and was very polite so I humored him the best I could. Well I told my husband about the phone call, so he called Mr. ** to ask about our claim. Two minutes into the conversation my husband started acting upset and getting loud. I heard my husband tell Mr. ** we had nothing to gain by our house burning down. After the conversation with him my husband told me that they were saying that the fire wasn't due to naturally occurring causes. I was floored! If it wasn't natural causes that only left one thing someone had set it, and due to what I overheard we were the suspects even though we weren't at home when it happened.

We have lost everything except our lives and now this. We called an attorney for legal advice and he told us that Allstate was going to do everything in its power to find a way to make it look like we did it simply because they did not want to pay out on our claim. I don't get it. I loved my home for five years. I put my sweat, my tears, and my love into that house. I had just spent most of our tax rebate on materials to repair things in my home. I was a week away from having the money to pay the contractor to do the repairs and a few minor upgrades to improve the value of our home. Sure we had filed bankruptcy in the past year. We were drowning in medical bills and credit card dept. But that removed our financial burden. What in the world would we gain by doing it. We were just getting on our feet again. We thought that everything was getting better and then the fire.

Aside from my house being broken into repeatedly having to hunt down my stolen property and then take police with me to lay claim to my stolen property, on more than one occasion including after the fire someone had broken my bathroom window out, stolen yard equipment and vandalized my garden prior to the fire, my insurance company has chosen to investigate us. I lost every picture, every ultrasound tape, every single shred of my children’s past from birth till the fire occurred and they have the nerve to insinuate that we had anything to do with it. Just because we have gone through some hard knocks doesn't make us criminals. However to Allstate I've come to conclude we are. It makes me sick people are vultures and my house has become their prey.

For three months we have been put off by Allstate while my house has sustained further damage due to theft and vandalism and even wind damage. We do not have the funds to protect our home from further damage. WE are fed up. How can it be legal for them to do this. Now we have to go do a deposition under oath and everything, and they haven't even started on our home. They are treating me and my husband like trash. I think that they are the criminals and the way they are treating us is outrageous. I hope they do find out what happened just so we can file a slander suit against them. But most of all I just want to take my children home. My three year old son cries every time I stop to check the mail because he doesn't understand why we are home but he can't go inside. I don't know how to explain it to him no matter how I try. We should have been home already. Now we can only assume we may never go home.

WE have obtained a lawyer and my mom told me to fight to the death for what is right. We have also filed a formal complaint with our state insurance commissioner. I pray it helps because from what we have been told so far things could get ugly because Allstate doesn't want to hold up their end of the claim. Allstate customers beware and hope that you don't have a mortgage or bankruptcy looming over your head should you ever need the policy you have been paying on for years. They will make your life a nightmare after you lose everything you love and try to make you out to be the scum of the earth if they can. I will fight and if you buy their insurance you may need to one day as well.

They gave me a check for 500 to cover dents in my air conditioner and cutters. The best part, when they came back to walk around my house, they couldn't have walked around my whole yard because my gates were locked. My fenced in yard covers half my house. I live on a corner lot and my house was most exposed and got the most hail damage. Also, every house in a 10 house radius of mine got roofs replaced and siding done. But my house was denied. I called and complained. They sent a second adjuster out over 2 weeks ago. He walked around and said I have damage and he doesn't know what they looked at. But also said, field operations were already out there and it will be hard to get additional funds.

The 2nd adjuster never looked at the roof, but did come inside to see my new water damage and he took pictures. It didn't rain for a month in my area after the storms, but once it did, I noticed water damage in my upstairs bedroom and kitchen. He told me that someone else will come back and look at the roof, but no one ever did and no one called. In the last week, I've called the adjuster several times, my agent and Allstate field operations, but no one will call me back. And all the customer service reps tell me to call my agent or adjuster. I get the feeling Allstate has to denied x% of claims, and I was chosen. Allstate may still step and pay for damage, but so far it doesn't look like it. I just can't believe no one calls back. Every contractor did tell me Allstate is the hardest insurance to work with for Homeowner claims.

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

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

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

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

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

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

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

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

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

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

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

I lost every thing all we have is a few clothes

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

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

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