Allstate Homeowners Insurance Reviews
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About Allstate Homeowners Insurance
Allstate is the second-largest homeowners insurance company in the U.S. When you request a quote, Allstate suggests three different levels of coverage to choose from. You can further customize a policy to fit your needs. Although Allstate’s prices can be higher than some other companies', it has multiple discounts available and a high financial strength rating.
Visit www.allstate.com/home-insurance- Several coverage options
- High financial strength rating
- Plentiful discounts
- Slightly high costs
Allstate Homeowners Insurance Reviews
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Reviewed July 29, 2009
I had called to get a quote not just for my car but for my home as well. Not only was I given a very high quote but was also told they wouldn't insure my home because of the city we live in. Funny thing is they have an office right down the road from me. It made me a little upset so I had asked if they insured the building they were in because they are less than three blocks away. Then after almost two months, I get a letter in the mail telling me that I had to go to a certain address to get a reason why and I do. Guess what you have to pay to get a reason why it was so high and why they won't do a home three blocks away from them. I am someone who already is disabled and part of that is getting out of the home. I had to get out my home to get upset to find out that I still had to pay to get the reason. It made my back hurt a lot more and my head as well trying to figure this out.
Reviewed July 27, 2009
Approximately four years ago, my husband and I bought a boat. We were told to bring the boat to the insurance office for appraisal, which we did. We were told by the insurance personnel that this boat was appraised at $27,000.00. So for the past four years, we have been paying on a $27,000.00 policy. Just this May, my husband was coming back from a fishing trip and was ran off the road. Unfortunately, he did not get the license number, the boat jack-knifed and came off the trailer, totaling the boat. While the Allstate adjuster couldn't find our boat in the blue book, he claimed to find a boat that he felt was comparable and we received only $9,000.00. My question to my insurance agent, Peggy **, was "why was I paying a $27,000.00 policy on a $9,000.00 boat?" She tried to tell me that it depreciated.
Now I understand depreciation, but there is no way that this boat depreciated $18,000.00 in less than four years. She said she was talking to a boat company in Florida that was familiar with these boats to get another quote, that was over a month ago. I've been calling several times every week for over a month, she refuses to return my calls and I 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.
Reviewed July 25, 2009
I was an Allstate client for over eight years with no claims. All of a sudden, they raised my home insurance from $555 yearly to $1745 and my auto from $380 for six months to over $900. Why? They said they could check credit reports and my bankruptcy allowed them to. That's **.
Reviewed July 23, 2009
We had some really bad summer storms. I live in the Deep South so our weather can get bad. We had serious hail damage to the roof and it was leaking in my son's room. The adjuster came out, checked everything out. We were told that we would be given a specified amount for the repairs. We proceeded to hire a company to do the repairs. Once the repairs were completed, the insurance company refused to honor a signed contract and refused to give us the money we were told we would receive. The adjuster said he did everything right and we should have gotten the amount reported to Allstate. I would think this would be a breach of contract.
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.
Reviewed July 16, 2009
I had a natural disaster. There was a storm and a tree fell on my house. I submitted the claim. Allstate paid, but they only pay what is called " cash value", which is even less than depreciated value. So after all was said and done, I had to pay a lot of money above the insurance check to fix my house and Allstate promptly cancelled my homeowner's insurance. The commercials that say Allstate helps in time of need are false. After a tree falling on my house, the last thing I needed was to have my insurance cancelled. My mortgage company set up Allstate Insurance, I did not select them myself. I use Geico for my auto insurance and have always been satisfied so I called Geico for a quote. It was less than half of what Allstate charged for the same coverage! I would never recommend anyone to use Allstate for any kind of insurance at all.
Reviewed July 16, 2009
We had a hailstorm that came through our community and damaged our cars and homes. We have been told by several roofing companies that we are in need of a new roof, but have been denied by Allstate. We cannot understand how a hailstorm can damage our car and gutters but not our roof. They too have not been able to fully explain it either. They are trying to get out of paying for a roof. We have paid them thousands of dollars over the years. We have been with them since 1995, which would pay for two or three new roof. They said that you are in good hands with Allstate, but we are finding out that those hands are for taking your money. We are hardworking people who cannot afford to pay Allstate thousands of dollars and pay the repairs as well. That is the reason we pay for hazard insurance.
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!
Reviewed July 7, 2009
I had a leak from the heating and A/C system that ran under the kitchen tile and it was not discovered until it started buckling the hardwood floor in the living room. The leak was found and fixed that same day. Allstate said they denied the claim due to “leakage over a period of time.” And since we didn't know about it and we could not fix it until it buckled the hardwood, it was a null and void claim. Stay away from this insurance company. The agent said that no insurance company would cover a leak like this.
So my question to him was that since we fixed it the very day it was discovered, what happens to all us baby-boomers if we have a cabin by the lake and arrive in May to find that a pipe burst during the winter and flooded everything? Nothing would happen. Why in the name of everything holy have we paid faithfully thru the years just to have the first claim we ever made blown off? 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.
Reviewed July 5, 2009
The insurance adjustor came a week after the tornado on April 10. We were told to go ahead and put new roof on house and get broken windows replaced and they would have check in the mail for that much of the claim within 3 days. Since then, they have changed our adjustor 3 times, and the last adjustor came to house and told my husband, along with contractor, "3 days." It was the same as with the first adjustor. It is now July 5, and there's no check for roof or windows, much less all the rest of damage. They make excuses or say they haven't checked e-mail. Not sure where to go from here.
Reviewed May 29, 2009
My father is 87 years old and blind. I am his daughter and legal guardian. Allstate is holding $112 as "unclaimed property." I found this information on the website scoweb.sco.ca.gov. The deadline to recover the property is to contact them by 06/01/09 or the assets will be turned over to the State of California. Well the problem is I have called all the above numbers as instructed, left messages on each phone extension and no one returns my calls. When I call, they just say leave a message / name / number and they will return my call. Well that has never happened. I called and left messages on the above numbers on 5/15, 5/19 and today 5/29. I don't know what else to do. It could have been very easy to resolve. They had the wrong street address number and wrong apartment number.
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.
Reviewed May 23, 2009
I purchased house insurance in March of 2009. I changed from and canceled another company, as the premiums were better from Allstate. Evidently, due to an apparent home inspection previously on May 21st of 2009, I received a cancellation notice, stating that due to a broken window in the garage, my homeowner's insurance has been canceled. This is a $20.00 single pane window which was to be replaced by a better type of window. They did not even ask about the window status. I have never, nor did I ever even think to report it as a claim. I contacted the company as to the cancellation and they were to contact me, but they have not. I have used home owners insurance claims twice in 35 years, and both claims were for less than $5000. I also have auto insurance with Allstate and will be cancelling this ASAP.
Reviewed May 19, 2009
I paid my insurance every month. My apartment got broken into Sept. 2008. I'm still waiting for them to settle the claim I put in. They even sent an authorization form to my cable company. If something is stolen from your home, how would a cable company help out in your claim?
Reviewed May 8, 2009
In 2007, during the storm season here in Chicago, we filed a claim for damages to our basement and some of our personal items which included clothing items, furniture, exercise equipment, and other valuable invaluables (family photos). Our claim was denied. Now here it is May 2009 and my wife and I come to find out that the claim we filed in 2007 is still open on the company's files (Allstate Insurance) and our premium has gone up and up and up due to an open claim that we filed in 2007 and it was denied. Allstate Insurance should be ashamed of themselves.
Reviewed May 6, 2009
I received my homeowner's renewal notice from Allstate in January 2009. My policy rates increased almost $600. Each year, my rates would increase but never by such a large amount. So I notified Allstate that I would not be renewing this year. I used the internet to receive better quotes and I have since received homeowner's insurance from another insurance company for less than the Allstate $600 increase. Now in May 2009, my Allstate agents keep sending me this generic concern letter requesting payment. I called my agent several times regarding this matter, but she will not return my calls. So I called the main number for Allstate and was told my agent did not cancel the policy and that I would be responsible for the premium that is being sent to a collection agency unless I fax a copy of proof of insurance to them. I am going to do that today and hope this will be the end of my relationship with Allstate.
Reviewed May 4, 2009
The undersigned incurred an Allstate Insurance Company covered homeowner loss. Allstate Insurance recommended for us to use its Kansas City based "Guaranteed Contractor", Repairs Unlimited, Inc., to rebuild our damaged home. Repairs Unlimited never pulled applicable building permits and the City of Denver noticed the violations. Although advised of the builder’s fraud, Allstate refused to honor its "Allstate Home Repair Guarantee," which purportedly covered Repairs Unlimited's activities.
Reviewed April 23, 2009
September 09, Hurricane Ike came all the way to Ohio. My roof was severely damaged, food was lost due to nine days without electricity. Three trees were down on the house. A year earlier, I had a hail claim on my house. They paid about $3,500 for that and $16,000 for the first, but only after I had to make a formal complaint with the Ohio Department of Insurance as they initially only wanted to pay out around $3000. Today (April 23, 2009), I received a notice that they will not renew my policy due to the claims. I suspect it might be that or they are redlining my home because of the number of foreclosures in my neighborhood.
Reviewed April 21, 2009
Allstate denied my claim for roof tile ice damage. When I insured my house, I was told that the roof was covered under the policy, and they had inspected the house in and out before they wrote the policy. I've been with Allstate for over 20 years (house and auto).
Reviewed April 5, 2009
Allstate cancelled my homeowner's insurance for no reason at all. I was never late on a payment because my mortgage company (CitiMortgage) makes the payments. My agent never called me at all. I called him 5 times; he sent me a ** letter to tell me where to go for new insurance. I called him and he never called me back.
Reviewed March 27, 2009
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Reviewed Feb. 16, 2009
I have been in my home for over 3 years and I have had 2 fires. The first one was a grease fire. My grand-daughter was not used to the stove top and turned on the one with the grease in the skillet. The next fire was a chimney fire. You may not know Clinton has home with foundation problems and I had my chimney cleaned out and it was not told there was a crack in the wall between the mantel and the wall. Fire was burning from the inside out. The fireman said I would not have been able to tell if there was a crack in the wall until after a fire was made build in the fireplace. Well Allstate dropped me like a hot potato without a care. Now I have the minimum amount of coverage with a contractor company of Nationwide.
I have no theft coverage for my home. I just pray that my alarm system can protect my 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.
Reviewed Feb. 10, 2009
Garage burnt down back in Sept. of 2008. We lost a lot of tools and antiques and equipment that was stored on my farm at Mirror Lake Farm. Called the insurance company, reported the claim which it has been 6 months. Then in Nov. of 2008, received letter saying claim would be taken care on in 60 days. In Dec. 2008 received another letter saying they would take care of the claim in 180 days. Then in Jan. 2009 received another letter saying they would take care of it in another 180 days. They have never sent an adjuster out to itemize the loss and we are getting tired of no action being done on this claim.
If my claim is not taken care of in the near future, we are going to the bar association and file a claim against Allstate and we will file a claim in court naming as many people as necessary to get this matter taken care of. I am getting tired of people passing the buck and no on cares about my loss. I need action done on my claim by someone or I will do it myself, and you won't like the way I will do it. I will get action.
Reviewed Jan. 31, 2009
I was an Allstate client for 25 yrs. Upon completing my mortgage loan, I contacted my agent (Mr. **) and asked him to bill me directly and not my ex-mortgage carrier. I received the bill and suffered sticker price shock. I had no claims against Allstate in 25 yrs. I pursued competitive bids and found all 3 were less and was pleased to find there was a savings of over $1000 on home and auto ins. I contacted my agent and told him of my findings. I stated I had seen an Allstate commercial where they reimbursed you for being accident free. He stated that I did not qualify for that program and the reason I had higher costs was because I had special insurance. I asked him for more specifics because I was quoted on the exact same coverage as I had and he told me to go with someone else and maybe I did not pay my bill on time (false). I was totally shocked after 25 yrs and want to report this fraudulent behavior. i have since become a member of Farmer's Insurance.
Reviewed Jan. 31, 2009
I started coverage on the home and two cars in July 2006. I had no claims until January 2009 and filed a claim on roof damage from wind and hail. Several homes in the subdivision had damage and their insurance paid for replacement of complete roof quickly. In December 2008, the adjuster from Allstate denied the claim. Later, I discovered next door neighbor had similar wind and hail damage and their insurance, Georgia Farm Bureau, paid for complete roof in three days. I requested Allstate to have a different adjuster check the roof.
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.
Reviewed Jan. 18, 2009
As far as I am concerned, this claim is still open because I filed a claim. I had a water line on my water heater burst causing the underbelly of my mobile home to fill with water before the underbelly split and I ended up with several inches of water pooled under my home. Not only wouldn't Allstate send an adjuster out to check out the damage, they didn't even have a single sheet of paper in my file and I have been with them since 1999 and the corporate office wouldn't send me a copy of my policy either. All I received from anyone I requested a copy of my policy from was the declaration of coverage which had my make of mobile home wrong, the id number wrong and the year wrong. I don't have a copy of my policy because they never sent me one. But the declaration of coverage says it is all peril standard mobile home policy replacement cost so if anyone can let me know if this should have been covered, it will be more than anyone working for Allstate has done for me. You can bet I won't be renewing with them this year.
Reviewed Jan. 9, 2009
My insurance rates were raised because of my score, which is 720 (good). My FICO score only shows what I owe and not that I am paying on loans for homes I own. I own 4 houses and don't have a FICO score enough to get a good insurance rate. My increase was almost doubled from the previous year. This is not fair! It is obvious that this is an economic disaster.
Reviewed Jan. 3, 2009
I used one of their mailers to request an insurance quote to compare against my current insurance costs. When I had finished giving the agent the information, he asked me, "Do you want me to send this out?" And I said yes, expecting to receive a quote for insurance in case my current provider couldn't match. Instead, they sent me a bill as I discovered later by going through my garbage as I had discarded it as junk mail. My current provider did match and exceeded their quote with far more reduced costs.
When first one of their telemarketers called, I explained to them what was going on and requested they stop sending my mail as I was not interested. The 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.
Reviewed Jan. 2, 2009
We came home the other evening to find our downstairs flooded and water pouring in through the window well. The well bib attached to the side of the house and coming out of the ceiling had frozen and ruptured, we think. So, the window well filled up and it came through the windows. This bib was encased in a heated, insulated wooden box attached to the side of the house. Our policy specifically states that it covers structures attached to the house with the exception of windbreaks, fences and lean-tos. Interestingly enough, this happened to us 8 years ago; it was covered without question. When I brought this up to the agent, he replied, "Well, they shouldn't have paid for it." This is 32 years paying our premiums.
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Reviewed Oct. 21, 2008
My neighborhood was pelted with severe hailstorms. Houses on all sides of me were covered by their insurance for roof damage. I have divots in my shingles, and I've had 2 roofers meet with Allstate to show them the Hail damage. Allstate refuses to pay. I've paid premiums to Allstate for 20+ years. I thought I was in good hands. They were rude and offensive to me.
Reviewed Oct. 14, 2008
On Oct 9 2008, I went to the property that I own and noticed the heat pump had been stolen. I immediately called the police and then I filed a claim with my Insurance (Allstate). The next morning, I got a call from the claims agent about the theft. He asked if the house had been live in over the past 90 days, I said no. He did not ask if we used the house for our own recreation. Which we do, so by me saying no that the house has not been occupied over the past 90 days they told me they will not pay the claim. I explained to my agent that we use the house on some weekends and when family is up they use it also. But I thought he was asking me if it had been occupied consecutively for the past 90 days.
Reviewed Oct. 7, 2008
After being insured for over 35 years by Allstate Home Owner Insurance, I just received a notice that Allstate will not renew my policy because they conducted an external inspection of my property and they state it is located in a wildfire hazard area. I live in a housing tract that has complete fire protection as there is a State (CDF) as well as a local fire station approximately four miles away and two fire hydrants within one half block of my structure. They, Allstate, claim all trees within 100 feet of my structure (on all four sides of my house) would have to be removed to qualify for renewal (not all trees in question are even on my property) so consequently (by their new standards), I cannot be considered for Allstate fire insurance in the future. I have always paid my premiums on time over these past many years and have had only one small wind damage claim, about 12 years ago. There have been no fire loss of homes in this tract since I moved in back in 1972... They, Allstate, have no past record of this area that would allow them to cancel my policy.
Reviewed Oct. 7, 2008
My house is sinking. Allstate denied my claim twice. I pay my insurance premiums. In the year 2000, I noticed one side of my house is sinking and the walls are leaning out as if they are going to fall. The concrete in the driveway also got wet when it rained even though it didn't rain inside the carport. I contacted ALLSTATE and was told that they will not cover my house as it is just clay shrinkage, and not a sinkhole (I have never heard of clay shrinkage before in my life). The damage is the same as having a sink hole by the way, and it also affected my roof as it started splitting at the same time. That makes sense as the house is pulling to the south. Well, I figured there was nothing I could do about it as I am just regular working person. I certainly can't fix that kind of problem, and funny, none of my neighbors ever had that kind of problem.
In the year 2008, I noticed that my 'clay shrinkage' was becoming worse and the roof getting bad. During this time, my neighbor 2 doors down from me had the same exact problem and his was deemed a sinkhole so his insurance paid for everything. There I was, with my house falling apart. I consulted a lawyer who suggested I open a new case with Allstate, so I did. I had to wait all summer for the engineers to get back to my insurance company about my house. They once again told the agent that it was clay shrinkage and was normal. No, it is not normal for the south side of my house to be getting ready to fall. None of my other neighbors' houses are doing that, so how can it be normal? The roof is also worse and it rains inside, I am so afraid the ceilings are going to fall down.
I bought the house in 1992. I have lived in homes for 46 years and never heard of clay shrinkage, neither has ANYONE else I know, anyone!!! My daughter and I now live with someone else and it is not a good situation at all. We used to have a life and now we live in two rooms as we are not allowed to use electricity etc... There we are (It like being a zombie.). We are absolutely heartbroken. I can't sell my house in the condition it is in, nobody wants it, I just want my house fixed, if I can't get it fixed, I will have to foreclose. I will NEVER EVER buy another house in Florida, that I know. Real Estate agents really need to warn people about this 'clay shrinkage'. Florida is not like other states, there are too many water tables etc.. My life is ruined, absolutely ruined.. I want all my premiums back from Allstate as there was no reason to ever have had house insurance, not in Florida anyway. I also think Allstate owes me punitive damages for me and my daughter. I think Allstate owes me big time.
Reviewed Oct. 3, 2008
The Monday after the Fourth of July, I came home with my two children to find my house had caught fire and sustained extreme smoke fire and water damage. I was completely and utterly disheartened. The only home my children had ever know was destroyed. MY husband and self didn’t know what to do other than find somewhere to stay the night and survey the damage the next morning. When we arrived to our house, the fire chief was there. He told us to contact our insurance company. We had nowhere to go and we couldn't even take proper care of our children as we had an eight month old and nothing we needed, only the clothes on our back. We went straight to our local agent and told him what had happened. He said that they were there for us and we believed him.
That week Rogers ** 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.
Reviewed Oct. 1, 2008
My area (NW Suburbs of Chicago) got hit with a storm on July 2, 2008 and most insurance companies classified it as a catastrophe area. After having 20 or so contractors tell me I had hail damage. I called my Allstate agent and was referred to the National Storm line. They sent out an adjuster in Mid August and my contractor was present to do a walk around. She didn't say much walking around my house and for the roof, she never got off the ladder, basically looked at a 4'x4' area on my garage. She then said she would come back with a supervisor to review the hail damage claim. They came back when I wasn't there and said there isn't hail damage on the siding or roof.
They gave me a check for 500 to cover dents in my air conditioner and cutters. The best part, when they came back to walk around my house, they couldn't have walked around my whole yard because my gates were locked. My fenced in yard covers half my house. I live on a corner lot and my house was most exposed and got the most hail damage. Also, every house in a 10 house radius of mine got roofs replaced and siding done. But my house was denied. I called and complained. They sent a second adjuster out over 2 weeks ago. He walked around and said I have damage and he doesn't know what they looked at. But also said, field operations were already out there and it will be hard to get additional funds.
The 2nd adjuster never looked at the roof, but did come inside to see my new water damage and he took pictures. It didn't rain for a month in my area after the storms, but once it did, I noticed water damage in my upstairs bedroom and kitchen. He told me that someone else will come back and look at the roof, but no one ever did and no one called. In the last week, I've called the adjuster several times, my agent and Allstate field operations, but no one will call me back. And all the customer service reps tell me to call my agent or adjuster. I get the feeling Allstate has to denied x% of claims, and I was chosen. Allstate may still step and pay for damage, but so far it doesn't look like it. I just can't believe no one calls back. Every contractor did tell me Allstate is the hardest insurance to work with for Homeowner claims.
Reviewed Sept. 27, 2008
In April of 2008 I filed a claim with AllState for hail damage on my roof. I was not home but allegedly an adjuster came out, with a roofer of his choosing, and stated that I had no hail damage. I took their word for it and that was the end of it. On a side note let me say that I live in a subdivision of approximately 30 homes. My house was the 7th in the neighborhood. I would guess that about half of the neighborhood has had roofs replaced due to hail damage from the April storm.
Fast forward to September of 2008. I have covered a deck and was in the process of getting estimates from roofers to put shingles on it. Three roofers brought it to my attention that I have a significant amount of hail damage. I then called AllState to reopen my claim. I talked with Kyle Wood who is a manager of the adjusters. He informed me that his adjuster had already been out here in April and that he was not reopening the claim and that no one would be coming back out. He just laughed at the fact that I believe I have significant hail damage.
The consequences are that currently I have a severely hail damaged roof. I have been paying my premiums and now that I have an issue AllState is refusing to step up to the plate. I am going to have to incur legal expenses in order to pursue this matter.
Reviewed Sept. 24, 2008
On June 7, 2008, A tornado hit my small suburban town. There was wind damage, hail damage, and rain damage. We had a contractor look at our roof after experiencing rain water staring to leak into the home. We were not aware we could or should file a claim, so we just purchased buckets, wood and other items because of the leaks whenever it rained. We have had a massive rain storms here with flooding widespread. My roof has extensive damage outside and inside.
My neighbor has Statefarm, his claim went through, we have Allstate, our claim was denied. We need help!
We have our mortgage company pay the full premium every April (for 6 years), we are thinking of dropping Allstate. The economic consequences are ridiculous. We have a hole in our roof from flying debre, so raccoons have taken up in our attic space. My ceiling is caving in on the first and third floor. We purchased this home six years ago, so Allstate says it's normal wear and they won't cover it. The agent even went so far as to say the storm just sped up the progress of deterioration so they won't cover it.
This is extremely stressful, we have three children in our home and I am a stay at home mom back in school working on my degree to become a Clinical Psychologist. We need legal and financial help
Reviewed Sept. 13, 2008
We do have one customer who is having a tough time and it seems to me that he has been wronged by All-state Ins. A storm came through in June and his water stopped working. He called and our technicians found his pump needed to be replaced. On examining the pump and taking it apart, Dennis (owner) determined that it was an old pump, but that it had been damaged by lightning. [He] said the windings in the motor were shorted together and thus the pump motor had locked down. When contacted by the customer's insurance company (All-state), [he] was honest in speaking with an All-State rep. He said he couldn't say with 100% certainty that the pump was hit by lightning, but that lightning damage was his best professional opinion as to why the pump stopped working. All-state must have picked up on the fact that the pump was old and saw a chance to get out of paying the claim.
The company paid to send the pump to an engineer, who said it was old and not damaged by lightning. All-state denied our client's claim and now he is left with a $1,900.00 bill. [We] spoke with the engineer hired by All-state who admitted the pump could have been hit by lightning but he is paid by All-state so he determined it was just worn out. The pump was old, but it could have worked for several more years or for one more day. Who knows? However, Dennis has installed pumps for almost 40 years and he stands by his finding that the final blow to the pump motor was from the storm. Our client said there's no use to fight All-state.
It makes me angry that this large company is denying a legitimate claim -- especially since this man does not have much money but he has paid his premiums faithfully. I argued with the administrative manager for All-state's southeastern property claims division yesterday on behalf of [our client], but he didn't really want to listen. Dennis did insist that All-state's engineer send Mr. Jones pump back to him, so we do still have it as evidence. Is there a legal foot to stand on here. Thank you.
[Client] cannot afford to pay his bill [for well drilling company for repairs].
Reviewed Sept. 12, 2008
Hello. I am writing on behalf of my mother is almost 70 years old. My mother called Allstate 3 weeks ago in regard to a personal injury lawsuit that was filed against her. She was told at that time that there was nothing that Allstate could do to help her. I have talked to several lawyers since then who are willing to take my mother's case and who mentioned filing a case against Allstate due to their lack of responding and representing my mother in her case. My mother was never notified of a case pending or anything until a few weeks ago when she was summoned to reveal her assets to the court.
Now there is a lien against her property. A default judgment was entered against my mother for not appearing in court because as I stated she did not have any knowledge of a lawsuit. She has been loyal in paying her premiums for the past 15 years and now when she needs representation from Allstate they are telling her that there is nothing that they can do...huh?
I was told by legal counsel that Allstate attorneys need to file a motion to get this judgment overturned for many reasons. Legally Allstate should provide my mother with some type of legal counsel and we are not sure why my mother was told that there is nothing that Allstate can do to help her. If we do not hear, back from someone in the next day or two we will be forced to bring a lawsuit against Allstate.
The court took all my mother's money from her accounts. How can someone sue a person and be awarded a judgment without evere serving the person that is being sued? I just don't get that at all.
Reviewed Sept. 9, 2008
My house burned down July 9 2008 here it is Sept.9th 2008 and I have gotten nothing but grief from all State insurance Company theyare claiming we didn't live because my husband is a truck driver and we are gone alot I contacted the board of insurance for arkansas and because I always had someone in the house, house sitting so nothing would happen to our home and our horses where taken care of the allsate dosn't have a leg to stand on. But the insurance company chooses to not to listen to the board. How doxe a company like this even stays in business? I've always paid my premins I might as well not have insurance at all
I lost every thing all we have is a few clothes
Reviewed Aug. 24, 2008
I have always found Allstate to be an upstanding insurance company, My husband and I were with Allstate in Colorado as customers, for many years, we once tried AIG for a couple of years be eventually went back to Alltate. We moved to Alabama 3 years ago and once again went with AllState for our home insurance and vehicle insurance and have been totally satisfied.
Reviewed Aug. 21, 2008
On 5/20/2008 our neighborhood was hit by a tornado. It has been declared a disaster area by the Federal Government. Our roof was damged by the hail. Allstate to which I pay for a DELUXE Homeowners policy ( a lot of good that has done me) has fought me tooth and nail over what they consider damage.Of the 380 homes in the neighborhood over 75% so far have recieved a new complete new roof and new roofs being installed daily. State Farm requires 8 hale hits per side of roof to qualify for a new roof and Allsate requires 14. Quite a difference in criteria!
I have had three different roofing companies come look at my roof and all three including Allstate themselves say the whole roof is damged. Allstate however says that the back side of my house is not damaged enough to meet their criteria as to be replaced and should be repaired. So they have agreed to replace 3/4 my roof with new shingles and patch the remaining 1/4. The front of my roof is now going to be a different color than the rear due to the age differance of the shingles. My homeowners assocation is telling me this will go against the covenants of the neighborhood and I will be in violation and subject to fines until I pay to have both sides match.
The only people in my neighborhood that are having problems getting new roofs are Allstate customers. Everyone of my immediate neighbors has either recieved a new roof or is scheduled to get one in the coming weeks. I am filing a complaint with my states insurance commissioner for this vast difference in required criteria and just plain bad faith in Allstates business practices.
My home is going to take a huge loss in value should I want to sell due to the fact that my roof is going to be different colors in several different places.
Reviewed Aug. 20, 2008
I had a new refrigerator installed. At that time I did not have the extra money to pay for the one that had an automatic ice maker as the previous one had. The man who installed the new refrigerator didn't cut the little hose off that runs the water into the freezer to make the ice. It slowly dripped until one night I got up to go to the bath room. The carpet was soaked. Of course, I called Allstate. At that point I didn't know the cause. The investigator came out and discovered the cause of the damage -- the tube was left on for the previous ice maker. They, in turn, filed suit against the company I bought the refrigerator.
I am confident that AllState KNEW that the water from the kitchen traveled across the flooring in my utility room, and seeped into the hallway leading to by bedroom; and collected the damage for that. HOWEVER, AllState only paid me for the damage in the bathroom. Like a fool, at the time I trusted AllState and thought the problem had been taken care of. Put new floor and carpet in the bathroom. Approximatly a year later, I was walking into my bathroom from the bedroom, and my foot went through the floor. I couldn't understand what happened. About 6 months later, I was walking from the livingroom into the utility room (next to the bedroom and bathroom) and my foot went through the floor.
I am quite sure that the ALLSTATE investigator was experienced and knew that damage was caused initially during the first event. They didn't tell me about it or pay for it to be fixed -- yet, I am quite sure they collected more than I was given to make the proper preventative problems. Years later as of 2008 -- I received an electric bill for cooling my house for the past two summers for $450.00 last year and $350.00 this year. I live in a 16 x 66 mobile home.
Spoke with electric company, and they sent out an auditor. I am cooling under my house due to leaks of rotted wood falling apart making holes so my a/c escapes under the house. THE EXPERIENCED ALLSTATE INVESTIGATOR KNEW about the damage but didn't pay for it. I no longer have ALLSTATE and it has been too many years to go back -- so, I am not sure what to do.
I am now on disability and trying to make it on $714 per month plus find a part-time job when I am physically able to do it intermittently. The high electric bills, and repairing the damage to my home is way out of my financial ability to pay. Yes, I will find a job, but I can't make enough money to repair all the damage. I have no idea what to do.
Reviewed Aug. 12, 2008
Roof Damages: The Alstate Insurance Company do not assist customers with claims, when it involves damaged to the roofs. I am inclined to believe evidence exist that clearly indicates that some actions need to be taken to get this Insurance Company to Honor Claims.
Storm Damages that are clearly identifiable. Leak in my home.
Reviewed Aug. 12, 2008
Our house flooded during Tropical Storm Allison. The adjuster was quick to tell us to tear out all the sheetrock from 4 ft down to mitigate mold because they would not pay for it. We had flood insurance and our total loss was over 65,000, however after depreciation and deductions we only recieved about 35,000. It was years after that we were told that we could of collected the difference between what we were given and the replacement value after the repairs were completed. If we were given any paper work stating it, it was in the fine print because neither myself or my wife remembered seeing it. Funny thing is, it was another adjuster who came by our shop who told me that I had been screwed.
Not sure, between 20 and 30 thousand by my best guess. We were able to make the repairs needed by doing everything that we could by ourselves and with the help of friends. We used money we were given for the loss of personal property to make up the difference. Our house was repaired but a word to those who suffer the same type loss, make sure to ask if there is any other money that will be paid after the rebuild is complete.
Reviewed Aug. 6, 2008
The MAJOR storm that hit northern California back in January totally took out my fence. Allstate paid me a little over $300 to fix fence. My adjoining neighbor's insurance paid for the whole fence. That money didn't even make a dent in getting fence fixed. I'm looking around for a difference insurance company....
Reviewed Aug. 1, 2008
had a storage unit at public storage, there was a break in on more than one occasion, was told by them if had other insurance , to file claim, i did, allstate is now treating me as if i did the break in, provided them with all neccessary receipts and proof of loss as much as could, still they are asking me for all kind of personal papers , tax forms, bank statements etc. and to submit to a examination under oath, i dont think all of this is neccessary, but i have only been in insurance for a short while , but i am very frustrated at being treated like the criminal
Reviewed July 31, 2008
denied hail damage claim on Homeowners policy when all neighbors received new roofs. None of whom had Allstate Insurance. 14 neighbors with new roofs, one without Me!
Multiple hail storms this summer with hail the size of baseballs (yes baseballs) have damaged the roofs of multiple houses in the area requiring new roofs to be installed. Approximately 4 to 5 thousand dollars damage in my case.
Reviewed July 23, 2008
I started my homeowners policy with Allstate in August of 2003. The policy was great, and only cost $465 per year. Two years later my policy went up by $100. Last year it was $624. I just received my renewal information last week and it stated that my policy was going up to $961. This is a $337 increase this year alone.
When I questioned them, they stated that this was a typical across the board increase. What insurance company is going to increase your amount you pay by 50% in one year and why? I have seen the news, I know that Allstate is having trouble with claims and underinsuring, but we as consumers should not have to stand back and be victimized as a result of their neglegence. I am currently in the process of cancelling my policy with Allstate. I am outraged by their totally laxed attitude and no solid justification for increasing my policy by such a ridiculous amount.
Reviewed July 16, 2008
Several Tornadoes and Hailstorms went through the area over a week period. Allstate first came out checking for damages and said oh there are several shingles blown off but your 500 dollar deductible will cover everything. The supplies alone came out to about 300. Later, after several roofers were called to give a full roof replacement estimate, I was told by about 4 roofers how bad my wind damage was on the roof. Called allstate back to do another estimate/roof inspection.
They came out and noted oh there are shingles missing on 5 sides of your roof. Also several shingles are no longer stuck down. Also there are a couple of small leaks currently. Also there were previously several larger leaks in the roof. They also were sure to tell me the roof was on its last leg. Funny thing is they said They weren't going to replace the whole roof, which was 16 years old. They did say they would pay to replace the missing shingles which they low balled thanks to them providing an all-state employed roofer to do the inspection.
I'm tempted to wait until it all but caves in and then have them replace it. I pay insurance every month for situations like this....then when I need the money I paid them to be put to use...they say no. I ONLY WANT THEM TO USE THE MONEY THEY HAVE BEEN PAID TO FIX THE ROOF. Im not asking them to pay for a whole new house. They have received more than enough money from me to fix the roof. So if I had all the money I used to pay the insurance company back in my bank....I would get it fixed myself.
Leaks, everytime a storm comes and knocks off 500 dollars worth of damage. I get forced to pay my deductible....so after about 5 good storms I will have paid about 2500....so much for a deductible being 500 dollars.
Reviewed July 15, 2008
Our house was hit with hail damage 3 sides of the house causing damage to the siding and roof. Allstate paid out $4600.00 stating minimul damage even though we had quotes from companies stating extensive damage. Allstate would not budge on their decision and refused to send out a different adjustor per my request. Is there anything I can do? All my neighbors are getting their roofs replaced. I am the only one not receiving the service I pay for.
Reviewed July 15, 2008
My complaint is against Allstate itself, and not individual agencies. 3 years ago, I was paying just over $1000 a year for homeowners insurance. A year later, the rate went up to $3500 per year. I then decreased my coverage to the bare minimum so my policy went down to $1500 and then increase another $200 within that year. NOW my umbrella policy went from $350 in 2007 to $587.82 and I am totally DISGUSTED at how Allstate can squeeze people for rate hikes all the time.
Allstate Insurance Company is draining me of my money, and I am now looking into alternative homeowner insurance policies in the hope to terminate ALL of my insurance with ALLSTATE.
Reviewed July 14, 2008
7-13-08 Recently (in July 2008) discussed my statement with above agent, who has always been helpful. I asked to increase my earthquake loss of use from $1500.00 and informed agent i was having some work done on my home. He said no problem. However, when I received my statement which is due August 20, 2008, the change from the previous year was shocking. 2007 homeowners - $940.00 2008 homeowners - $1509.00 2007 Earthquake - $632.00 2008 Earthquake - 1155.00
Obviously the amount has more than doubled and I cannot afford such an increase on such short notice so I assume they want me out after more than 30 years with them. Is this price increase legal? You list the 10 worst insurance companies without listing the 10 best. Where do I turn? thanks.
Reviewed July 13, 2008
Home Robbery for $21,000.00 worth of electrinics and accessories. 146 items claimed on report, I had 93 original receipts out the 146 and produced documentation [either product manuals, installation discs, or other] for 16 more of those items. I received $6,900.00 dollars in reimbursements. I have been their customer for 11 years. This is totally unacceptable, insulting for what we lost, and a crying shame to my family. Alsstat is as bad as the crooks who broke into my home!
Three weeks after the robbery, I received a letter in the mail from Allstate, and I quote: ..we are unable to renew your policy...due to the following reasons: The roof of your dwelling or garage is uneven or wavy, is lifting or buckled... Can you believe this company. Oh I am so sorry Allstate that I was robbed. Thanks for making me and my family get the raw end of the stick on *ALL* accounts. Thanks for not only dropping my account but completely lying to the public about your care for our losses during times of uncontrollable and external dire events. I have until 9/1/08 to find a new carrier.
Oh by the way, they also have been by auto insurance carrier for over 11 years now. I don't have the stomache to do the math that will yield the total amount of premiums I have paid. I am getting sick as we speak. Please avoid this company at all costs. Sincerely burned by all state, not by any fire!
Robbery: $21,000.00 of documented costs
Reviewed July 7, 2008
Roof and sidings of all sides, and glass of basket ball stand have been damaged by hail and storm. Insurance company simply allowed replacement of two sides and minor repair of roof though they admit damage in all sides making excuse that two sides damage are older. Their consultant admits that there are dents on light vents on roof but he made the excuse that he did not find any dent or granule loss on visual examination. Our pictures contradicts his findings based on visual examination. We would like to send entire correspondence, pictures etc if so desired by prospective attorney for class action law suite or bad faith law suite.
Roof and sidings of all sides, and glass of basket ball stand have been damaged by hail and storm. Total economic loss is about $30000 besides mental and emotional stress damages.
Reviewed July 3, 2008
all state have deep deep pockets and they do not live up to ther word! they mad dog people did not paid me for about $378,000 in my home! they are the bigest rip-off!
Reviewed June 24, 2008
My 87 yr. old mother and I, (son) can not get a response from the Agent by phone or even going to his office. The 800 number for Allstate dos'nt answer either. What do you suggest? She needs to upgrade her home poicy.
Reviewed June 23, 2008
We had our fridge water supply line break in the middle of the night and flood our kitchen, dining room, and hallway. We have laminate flooring throughout the house kitchen, hallway, dining room and living room. It is all one continuous piece. Allstate sent a company out to dry up the house. The company was called Servpro. Servpro came out and ripped up the laminate flooring and toe kicks in the kitchen. They drilled holes in the walls in the kitchen and dining room. They went under the house pulled down the insulation under the fridge and set fans under the house also. They sucked up as much of the water as they could and set fans and dehumidifiers for 3 days. When Servpro was here we asked them if this was going to be covered because we did not want all this damage of ripping things up if not. Rick from Servpro said yes, this was a covered claim and went ahead and did all this. P>
The claim service adjuster John L assured me that this is going to be covered and that they were going to replace the flooring to the kitchen, living room, and hallway. I had talked to John multiple times and every time he assured me that all the damage done from the flood was covered and going to be replaced. On 6/18/2008 Paul E claim service adjuster came to my home said I remember being here and pulled out his computer to look up my records. He said after looking at his files that he was going to deny this claim with the exception of the holes and toe kicks. He said that my husband called him out here in December of 07 for a bathroom floor claim. He pulled up the notes and pictures of this claim and read them to me. He had said that he feels that the flooring was already damaged before the flood so they do not owe us for this. The picture that he tried to claim that was damaged flooring was a picture of my freezer door open of the floor. I told him that is NOT damage that is dirty. I know because I have cleaned that floor for the last year and it was not damaged. This flooring is only a year old.
He proceeded over to the kitchen sink and opened it and said that in December of 07 there was a existing leak under there and that it would have had to come up under the laminate flooring and damaged it so no claim. He said that the linoleum that is under the laminate flooring by the sink has stains under it and that is proof that it was leaking under the laminate flooring. I told him the linoleum was like that a couple of years before we put the laminate flooring down. This is one of the reasons we put in the laminate floor to cover the stains up. He said no and that this is an already damaged floor and NO claim. Now how can they have a company come in rip up my floor and destroy things and say they are denying our claim? They have left our floor in shambles.
My husband did a lot of calling and was contacted by Tim S who left a message to call him back. I called him the next day and he said that he does owe us for the flooring except 16 sq feet because he says my husband said that a 4x4 area was already damaged. My husband did not say the laminate was damaged he said the linoleum was damaged and he had no problem taking care of that 4x4 area of the linoleum. Tim would not listen to me when I told him that is not what my husband was talking about. Tim said they will take care of the laminate only, in the kitchen, hall, and dining room, nothing else like the sub flooring. Tim was implying that I should be grateful for them doing this much.
My argument is that there was nothing wrong with our laminate floor before the flood and Allstate should do the repairs that John L assured me they were going to do. The sub floor in the kitchen is the linoleum and the rest of the house is particle board. The sub floor in the kitchen would not have to be replaced except for a 4x4 area by the kitchen sink. That area is not soft or caving in it is just stained, but the rest of the areas IE dining room and hall way sub floor was damaged from the flood. The living room sub floor was not harmed and would not need to be replaced, just the laminate because it is all one continuous piece. I have got a quote from a contractor after John L told me to and he is giving us a quote of 9,700 for the repairs and telling us we need to be out of the house for 10-12 days for this work to be done. I feel that Allstate is trying to get out of this claim and they are not in the right.
Reviewed June 21, 2008
I received my most current flood insurance bill and decided that over $800 was ridiculous since I have lived in the same place for 34 yrs and have never flooded. Unfortunately my mortgage co. has required it and ever since I can remember, we have had problems with Allstate Flood, but there was not that much available.
Now I decided to pay off my mortgage, which I did and I am trying to cancel the flood insurance and they keep throwing obstacles in my path. My Allstate agent told me that all he needed was a signed request in my handwriting with proof the loan was paid off, which I provided. Now Allstate is telling me that they need certification from the mortgagee the the loan was paid off and they no longer require flood insurance and that there is a formal form from Allstate that I need to fill out and sign and have my agent sign, which he claims to never have heard of before, even though he has been in the business for 23 yrs.
At this point, the only consequence is threatening letters and increasing frustration, but I am concerned that it might affect my credit rating if I don't pay for the renewal, which I absolutely refuse to do.
Reviewed June 17, 2008
Allstate is one of the worst companies I ever had to deal with. I signed up with them around April of 2008. It seems like nothing went right after that. Shortly (in about 2 weeks) after my policy was started I received a call from the mysterious underwriting department and was told that there is some uneven patching on my roof. I told the guy that I bought the house about 6 months ago and that it was inspected in and out and that it was fine. Also, it didnt look like any of the shingles were blown off or damaged, so the roof must be fine. He told me that they need some kind of a paper from someone certified that would either say that everything is ok or redo the patch Allstate did not like. He also told me that my policy would be cancelled on June 1 if I didnt take care of it.
I sent over the fax with the paper that said everything is ok with my roof and assuming that I was in good hands? decided that everything would be fine from here. Little did I know how much pain I would have to go through to get nothing useful from Allstate. I called Allstate about 20 times to resolve a number of problems caused by Allstate after this, here are some of them.
Wrong: I was told that if I signed up for easy pay (pay out of your checking account monthly) I would not receive a discount and that I could not pay it off in full
Right: I would receive a discount and there is an option to pay it off in full
Wrong: I was told that both of my policies were on easy pay (I confirmed it with 2 different customer service agents)
Right: only my auto policy turned out to be on easy pay so my home owners turned out to be past due for over 2 months (they told me to ignore those notices because it takes about 20 days for my checking account information to get processed)
Wrong: home owners policy was cancelled because I did not pay for it for over 2 months
Right: it was cancelled because Allstate did not receive pictures of my roof (which was a surprise for me since they never requested them)
Wrong: Allstates customer service department in India can send out proof of your car insurance to your mortgage company
Right: Wouldnt any idiot understand that a mortgage company needs homeowners insurance (I asked them to send a copy of my homeowners insurance, my mortgage company did not receive it twice and kept on sending me notices that said I was violating the conditions of my mortgage)?
Wrong: up until the end of May customer service kept on telling me I didnt have to do anything in order for my homeowners insurance to stay active (thats about 20 phone calls between April and end of May)
Right: underwriting department did not receive what they wanted. Well how in the world am I supposed to know that when customer service tells me there is no way for me to talk to them and that my policy does not have any pending terminations so I shouldnt worry about anything???!!!
Wrong: I faxed a copy of the contract with the roofing company and 2 large pictures of my new roof, it should be enough (that was exactly what Allstate requested).
Right: Allstate says I did not provide enough proof.. what else in the world do I need to do? There is a new roof on the house why cant they come and see it like they did before!? Why dont they notify me that it wasnt enough and told me what they need!?
Wrong: If you are calling after business hours and the customer service rep cannot get a hold of the proper department he/she would submit an email and get a hold of you the next day to inform you about what happened to that request
Right: I had about 5-10 of those, not a single call back even when those promises were made from the management level I happen to have 2 of those # still written down on my paper, keep in mind you will not get these numbers unless you go through trouble and suffering with Allstate:
This list is quite a bit bigger and my time is limited so I will stop here. Bottom line is I received wrong or misleading response from Allstate about 50% of the times I called them. Allstate does not care about their clients. DO NOT FALL FOR THEIR COMMERCIALS BELEIVING YOU WILL BE IN GOOD HANDS WITH THEM. I could push this further and try to resolve more Allstates own issues for them but I dont want to because it scares me to think what would happen if something would actually go wrong with my house or one of my cars.
Reviewed June 12, 2008
My basement filled with water and i called the insurance company and tried to file a claim. They stated i do not have flood insurance so i said ok and started to fix the damages, when we connected turned the power to the well pump water was gushing down my walls so we shut off the power. i called allstate again and told them my problem and they said if a pipe is broken it is covered and they will send out a adjuster. The adjuster came out and told me it was not covered the rain and snow water entered between the garage and house I told him i was getting another opinion he said thats is up to me so i called around and found a home inspector that is a mold specialist and he came out and confirmed where the water originated and it was from the pipe being broken
while he was inspecting the house my neighbor had 18 of water in their basement and mine was dry so we called allstate to come out and see what was going on and they told me they could not get anyone out to the house and someone could come out in a week. I was very upset oh and when i called to tell them what the inspector found they told me the calim was closed even after i told them i was getting a second oppinion. So i called the adjusters supervisor and felt i was getting somewhere he reopened the claim and talked to my home inspector and told me to get a plumber out and document it and the plumber concluded it was a freeze break from a draft so i faxed the info.
I was contacted one week later stating to have a contractor and they will bring a contractor and settle the claim. I was very happy till we met up they sent the original adjuster and no contractor he proced to tell me it was not covered because the house was a bad desing, but i have lived there for 7 years and never had a problem with no claims and paid faithfully so how is it a bad design. it would of happeded within the 7 years if it was a bad design, but he said we are standing behind our decision so i called his supervisor and got no answer he is out of is office and can not be reached for another week. Now my house is bilevel home and all the rooms are down stairs i cant live there, and i have done everything i can i hired and inspector and a plumber everything that allstate asked of now nothing is covered.
My homeinspector told me to get a lawyer and do a bad faith claim due to a not paying out on a claim that is real he will back me 100% but from what i have read on line allstate does not pay out and screws their clients now there is $50,000 in damages due to letting the house sit and i have mold everywhere is it wort it to get a lawyer because i cant pay a lawyer and loose and have to pay to get the house fixed.
bilevel home 3 bedrooms destroyed mold everywhere doors all warped carpet, tiles,drywall, wood trims trashed
Reviewed June 5, 2008
Well for the first time a couple of years ago some kids broke into the house and ramsacked it and did not take much but some clothes and video games, my parents called allstate and filed a claim the first one in 18 years of paying premium. Well last year my mother noticed that the drains in her house were slow and the washer kept overflowing in the back. She propmtly called a plumber and he did a fix to correct the problem to what they thought corrected the problem...a couple of weeks later called the same plumber fixed it again. Well needles to say another plumber was called to to correct the problem which was a slow leak in the pipes underneath the house.
She called allstate and told them and the so called adjuster came out and said it would/could be covered to get fixed. In the process of pulling all the workers together my father was diagnosed with cancer and died this febuary. When we finaly pulled back together we picked up with left off projects which included the plumbing. After they told my mother to proceed with the work they in the middle of the work Allstate called and had already denied the claim because she let the leak go on for so long. Well since she had the policy for so long and they Allstate sent her the copy of her policy and it stated within the policy that if deterioaton caused water damage that would be covered the claims adjuster to her that she received the wrong policy and he is sending her another on and my bad so to say but still no the claim will still be denied. He also told her that it was against the law to go and reaudit claims.
Now I work for a insurance come that is a household name and no way that re auditing a claim is against the law...the customer service rep said that a claim can be reviewed again. I am so mad at allstate to put my mother through all this right after he husband of 40 plus years passed and to lie to her on top of that. Needless to say I have contacted our legal department for some advise. The customer service there is horrible a phone service person that yelled at my mother and practically cussed her out.
In all my mother had to pay out of her pocket $12,000.00 to pay for the fix. Mind you she quit her job to take care of my father who was retired military and served over 30 years serving this county, so her income was cut in half or less! The $12,000.00 was in her savings for retirement now she had to go back to work.
Reviewed June 3, 2008
Allstate Insurance company cancel my homeowners Insurance without notifying me. I am with this Insurance for over 10yrs. I didn,t even know the Insurance was cancel, until HomeEQ mortgage company ask me to fax them prof of insurance from my insurance CO. I promply call Allstate to fax them the letter, That is when i found out that My Insurance was cancel but that they will not be renewing my homeowners insurance. They told me they send me notice of this cancelation but i never receive any. I need time to find a next insurance. They didn,t any time. I think this is unfair. irresponsible. Is there any help for me. I have get Insurance coverage fast.
The mortgage CO (HomEQ) Said they will have to give me coverage. I don,t want it because its very expensive, and cover very little.
Reviewed May 22, 2008
We just received our renewal homeowners policy and there was more than an 80% increase. I was told we are a coastal county, which we are not. I had a very samll claim for Katrina and feel this increase is very wrong.
Reviewed May 11, 2008
I strongly suggest anyone NOT to use Allstate. They will do everything possible to keep from paying out for a claim Heres my situation
I just sold my house in Lake Charles, Louisiana. Last year, in June we had a very strong hail storm which made numerous small cracks in the vinyl siding on the west side of the house. As these cracks were long but no visible holes were made I used some PVC adhesive to close it. When the house was put on the market I immediately received an offer. The buyer hired an inspector and in his report he pointed out the issue with the siding and indicated that the roof is severely damage by the hail. The roof damage was a big surprise as the existing roof has 30 years old guaranteed shingles (house is only 10 years old). I remember that after the hail I found a lot of grit from the shingles around the house but it never occurred to me that the roof was severely damaged.
I called two local roofing contractors to perform inspection and evaluate the roof condition and both came back with quotes to replace the roof due to severe blistering caused by the hail. As the closing on the house was approaching in a weeks time I filed electronically a claim with Allstate. Finally after three days I was contacted by the adjuster James Hutson who stated that he cannot come earlier than a week and half from this time. As the buyer already sold her house it was becoming a desperate situation. The explanation of this situation to the adjuster did not make any difference. The buyer was lucky that she was allowed to stay in her house for a week after closing.
On the day of inspection I met the adjuster and after his inspection he stated that siding is damaged on the west side and it was caused by hail. The same damage was evident on both aluminum roof turbines. The roof on the west slope is also damaged with heavy blistering but it was not caused by hail but only manufacturers defect (?). He discredited both roofing contractors as not experienced in making any diagnosis (Im sure that after last hail storm they had a chance to repair many roofs in this area).
In summary Allstate paid only for the siding and roof turbines replacement and nothing for the roof. He condemned the roof and stated that it requires replacement. I hired one of the roofing contractors and paid from my own pocket for the roof replacement before closing. Reading Allstate statements that They're accessible, responsive, knowledgeable and reassuring during a customer's time of need? or ? Prompt, Fair Settlements, Satisfied Customers, Efficient Organization? makes we wondering that managements preaching is not really followed by their employees. There is definitely a big disconnect. I feel that the adjuster was either not qualified or did it on purpose to boost companys profit which according to financial report was $1.42 billion for the last year. I just wanted to warn people and share my experience with Allstate and Im in process of replacing my insurer.
$6700 for roof repairs paid from my own pocket.
Reviewed May 10, 2008
I recently was told that allstate insurance has raised their rates by 36% in Ohio. I looked into this by requesting a quote myself on my home. I noticed that the quote was the same as what my brother in law paid last year prior to his increase. I am afraid this allstate agent with whom I dealt with in Norhtern Ohio who provided me with my quote maybe pulling a bait and switch. Just to earn my business I think this unlawful and soo very wrong. Hopefully you guys and help me on getting this out and have the Ohio dept. of Insuarnce look into this. Thank you
Reviewed May 2, 2008
On April 18,2008 a letter was sent to me from Allstate, in reference to my homeowners policy stating that my policy is being cancelled on May 9, 2008, due to moss build up on my roof or garage (I do not have a garage), and a portion of the siding needing repair I've never filed a claim in reference to the siding. They also said that my roof was damaged. My roof wasn't damaged but now it is, due to a hail storm that occured March 15,2008.
I have had Allstate for more than eight years and have never filed a claim for anything. But I filed a claim in reference to the hail damage. I have no high hopes of anything really being done even though my house leaks now. I also noticed that my yearly payment went past $1,000, after receiving a notice that my payments were going up monthly another $23.00. I have tried calling and can never get anyone to answer the phone. The new insurance declaration that I have received after renewing is grossly incorrect.
My home is appraised at $102,000.00 and they have me needing more than $150,000.00 worth of insurance for replacement. They have me with a garage that doesn't exist, also 1500 sq ft of living space when in actuality it is 1650 sq ft. My home is built on a block foundation and Allstate has it as being built on a slab. I have 6 rooms and a living and dining combination, but on my declaration I have eight rooms. There are quite a few more inconsistancies in my insurance file. And again when I try to contact them to straighten it out I can never reach anyone.
This has been very disconcerting. Now I have to find insurance that will be much higher because of the Allstate cancellation.
Reviewed April 29, 2008
I've been a customer of Allstate since 1985 and have never filed a claim on my current homeowners policy. However, this year my premium increased by 47% ($579 > $852). This is after a 6% increase the year before. I called my agent, who told me she cannot adjust rates. I called Allstate customer service and was told there is nobody I can speak to that has any control of rates.
I've switched my home and two vehicle policies to Grange, who insured me for 13% less than I was paying Allstate even before their huge increase.
Reviewed April 27, 2008
We purchased a mountain home in Angelus Oaks, CA. four years ago. Allstate Insurance jumped at the chance to cover our need for homeowners insurance. We also placed 3 cars and a camp trailer with them. Last week we received a letter that stated: After FIRST NOTICE (we never received one) that the 2nd inspection shows we failed to comply with their requirements regarding inadequate crown spacing among trees within 500ft, combustible structures within 50 ft: woodpile, pine needles, leaves within 50ft.
We clear out lot each Fall and Spring. All but the spacing of trees are false statements. We do live in a forest, just like we did when we bought the house. We have cut down several trees and other growths, spending thousands of dollars to improve the healthy growth of trees and plants and have planted gardens around the house providing moisture around the home itself. Afte visiting our local Allstate Office in Yucaipa, the agent inspected our property and said that there was no reason for us to be cancelled and he would look into it. After a few days when we contacted him again, he told us there was nothing he could do as trees are within 700 ft of our home.The National Forest is within 500ft of our home, So what has posessed Allstate to cancel us now? My husband is a retired cpo officer with 20years military service to his country, we are law abiding citizens, with exceptional credit and I have lived all my life in California. Now We can't even get homeowner's insurance.
We are concerned that having received such a bogus letter may lead to us not being covered in the event that we are victims of a fire before we can get other insurance. We cannot understand why we would have received a letter telling us that we failed to comply with something that was never required of us or reported to our local Allstate Insurance Office in Yucaipa, Ca. We understand that there were 5 other homes targeted up here by Allstate when all homes in this area that are covered by them have trees within 500 ft of their homes. So, why were we target?
Reviewed April 8, 2008
Angora Firestorm 6/24/08. Total loss of primary home. Underinsured and we were refused reformation (we carried no mortgage). Insurance paid $.50 on the $1.00 for rebuilding original home.
Rebuilding now and do not have enough money to finish.
Reviewed March 12, 2008
After having my home & car insurance with Allstate for the last 9 years, I received a notification. The notification stated that they had inspected my property and I needed to meet their fire codes. I was a little confused because the letter did not state what I was not meeting. We are inspected every year my the fire marshal since I do live in the foothills. I have always had my required 100 ft cclearence at least. I was informed that Allstate was requiring 200ft. on my North side which was pointed out to me when I called, stated they wanted an extra 200 ft on my North side.
Reviewed Feb. 27, 2008
March of 2006 I filed a claim with Allstate. I sent them everything that was required from me and I was sent a check to make repairs.
Allstate decided to rewrite my policy and my policy went up $200. Initially it was $434 and it went up to $606. I was told it was due to the loss I had in March.
I complained to the Ohio department of Insurance and Allstate rewrote my policy again and policy doubled to $895. And today when I came home there was another increase of $125 which takes my premium to $981.
Nothing has changed since I purchased this property 15 years ago however Allstate continues to rewrite my policy. My house is valued at $67,000 yet one addendum states that it would cost $189,600 to replace it, another states that it would cost $241,893 any yet another $338,232.
Before the initial rate increase, Allstate threaten to cancel my policy because there was no handrail on the side steps. One week after this notice was sent to me a rail was installed and they cancelled the insurance anyway.
Reviewed Feb. 26, 2008
I purchased a blanket policy which included storm damage coverage. In south Louisiana I knew that i needed it. I also purchased a $25,000 flood policy from the federal government. Allstate had a devious clause in the policy that excluded water damage. My home was completely lost. The hurricane caused the loss of the flood wall causing the complete flooding of the city. Allstate did not respond in good faith to restore my loss.They refused to pay for my loss of over $200,000. I was paid by the federal government for $25,00 for flood loss. This is a very bad faith company. I now don't trust any insurance company.
It cost me over $200,000 to purchase a new home and relocate in Atlanta,Ga.
Reviewed Feb. 13, 2008
My two car detached garage started on fire and completely burned down, with everything in it being a total loss. I have Allstate's deluxe Mobile Home Policy with replacement Insurance written by an agent by the name of Stephen (who Allstate has since fired). This Policy took effect on 12/21/2005 to the present. On January 22, 2008, my garage caught on fire; nobody can determine how or why, and Allstate hired a Forensic Fire Detective, and he could not either. Allstate then told me that I did not have insurance on my garage. I told them that I had a policy written by Stephen with Allstate, and it had replacement value insurance and for them to show me the policy that I signed with Stephen back in 12/21/2005. The Agent Nancy Larson stated that she could not find it. Two days later Nancy called me and told me that she had found it, and yes I did have replacement value on the content of my garage; but Stephen had not charged the right price, and could I pay the difference of that cost?
The next morning the other Allstate Agent for the structure part of my Garage came out (Eric Rinehardt) and told us that the structure was not insured. I told him that Nancy Larsen told me that she found our policy, and I had replacement value. How could it be that the content had replacement insurance but the structure itself was not insured? He gave us an estimate for Actual Cash Value cost of our 24' 5 x 32' 2 x 8 detached, two car garage with a shop, moving out the debris, and the rear side of the mobile home which had some damage done to it along with my fence: $10,900.00 for the garage and fence, and $2,420.96 for the damage on the mobile home. I refused to take the check for this amount and once again referred him to the policy I signed with Stephen back in 12/2005. He told me Allstate would never have written my kind of Policy because the mobile home was built in 1990 which made it too old. I said that Stephen wrote before Allstate fired him, and they have been taking the premiums out monthly in direct withdrawal from my mortgage company since 12/2005. Allstate has refused to send my a copy of my signed policy, and refuses to pay out the right amount according to my Policy.
It is now 02/13/2008, and today the Pierce County Washington State Department of Planning And Development Service gave me a Certified Notice that the Burnt Structure was Dangerous to the life, limb, property and safety of the public and its occupants and want the building Demolished and all the debris removed on or before March 11, 2008. Pierce County will take approprate actions to secure the area--billing it to us and fining us for not moving forward as they requested. If there is a local Attorney in Tacoma Washington interested in helping out in this matter (WA State's new Law will be in place as of March 2008), and if Allstate losses in court they have to pay 3 times the amount of the claim plus all Attorneys fees. Please call us so that I can get the help we deserve, and so that they don't do this to anyone else. Thank you.
Reviewed Feb. 5, 2008
I am 81 years old, my husband died last Christmas, and we have been with Allstate for 48 years and never filed a claim. My pipes burst on Jan 21. They tried to pay me under $400 to replace the sheet rock, tap, mud, and paint on walls and ceiling. I told them it was not enough. They said last week that they would have one of their vendors do it but they have not returned any of my phone calls.
Reviewed Jan. 8, 2008
Allstate cancelled our policy after over 30 years being a customer and making only 1 claim. Then they had the nerve to commission a survey and had the survey company ask us questions like, "Why did you decide to look for new insurance."
We had to hurry to find homeowners insurance, and lost our discount on auto insurance so we had to find new auto insurance.
Reviewed Jan. 6, 2008
I have 2 homes in St. Louis, Mo., 1 I live in the other I'm rehabing. The area I live in has a very high crime rate and is infested with gangs. On or about Nov. 9th, 2007 outside the house that I'm rehabing I got into an altercation with the gang members standing outside my house selling drugs, they threaten my life. I went to the Police station and filed a report, later on that evening as I went to a store about half a mile away I was ran over as I exited my car. I went to the hospital, there I filed another police report.
Later on that night while I was in my home someone fired gun shots through my window, I didn't get injured, I went to the police station and again filed another police report. The next morning I was awaken by the police notifing me that both of my homes had been burnt down.(complete lose) At the time of the first fire I was still at the hospital. The adjustor questioned my as if I was guilty, even after proviving proff of my where abouts.
Since the time of the fire I've received $800 as an advance. That was in Nov. I have 3 children, Xmas has came and went. My adjustor has been stringing me alone saying that he's almost done. He has lied on several occations. Me and my kids lost everything that we own. All the money I had was wrapped up in these houses, now we have nothing. Iasked for another advanced but was denied. I seen thier attorney,. He basically said I set my own fires.
Reviewed Dec. 17, 2007
This summer and fall my roof was damaged during the many wind storms we had in Missouri. When I noticed the damage, I called my insurance company immediately to have someone come out and assess the damage. From the beginning they were rude and unhelpful. The adjustor they sent out came out without making a time to meet with me to view the damage. He complained because he had called 3 times and I had not answered. I explained I had been to a FUNERAL and had called Allstate prior to leaving to let them know this information. He was rude and seemed completely incompetent when he did the walk through to see the inside damage. He showed up AGAIN without calling first with someone to look at the roof.
At that point I lectured him on his unprofessionalism and called my agent in front of him to complain. I was told by my agent that he would have another adjustor come out to view the damage and I would not need to deal with the adjustor that was at my home anymore. I never heard back from my agent, so I called and left a message a week later and the next day a girl at his office called and left a message stating I needed to talk to the claims department. The adjustor, Lynn Brownlee, told me the roof would not be covered at all because when the roof was installed which was 8+ years ago, it was cut wrong. I have talked to roofing companies and home inspectors and they all tell me that is the insurance company trying to get out of paying. Eveytime it rains or snows the roof leaks causing the ceiling to leak and it incurs more damage. I have emailed people at Allstate and called them and have NEVER received a call back from a supervisor. They seem to want to wear people down.
Reviewed Dec. 17, 2007
On December 3rd, 2007, our home burned down due to an electric fire and this whole time we thought we had insurance, but we were late on a payment and now our insurance company, Allstate, says they are cancelling our claim and then they excepted a half a years payment for a home that no longer is there. We lost everything we had, 4 dogs, 3 lizards, a hampster, and many fish and frogs. We have three children to provide for and we have nothing. The house is not salvagable. Allstate played phone games with us from the day of the fire and now they say I am sorry we can't help you after being with them for 9 years.
No home for me, my fiance, and three children.
Reviewed Nov. 30, 2007
I bought my first home and decided to use Allstate for my homeowner's insurance because they gave me the lowest quote. I closed on my home in September.
It is now almost December and I have just received a letter saying Allstate is canceling my policy because I have "moss build-up" on the roof and that the roof is patched.
They gave me no warning and thus no chance to fix any problems with my roof. I've tried to contact my agent, but no one answers at his office.
Reviewed Nov. 14, 2007
My husband has been with Allstate for 15 years and I have been on the policy since we married (about two years). Please bear in mind, never, ever a late payment as we have had it electronically transferred every month. We received our renewal notice in the mail on Saturday, it went UP by $300 for six months. I called the local office, and they couldn't do a thing about it. It was sorry for your luck -- credit report, blah blah blah. Funny thing is, our credit isn't terrible; not the best as my husband prior to our relationship co-signed a loan and the person defaulted; however, we are attempting to settle this particular debt.
Reviewed Nov. 14, 2007
I had prepayed Allstate for one year of insurance on my home. This was an amount of approximately $3200.00 on a new homein Florida which was a very high rate, in June of 2005. After hurricane Wilma I suffered roof damage. An adjuster came out an I made a claim. The cost of the repair was $1800.00- I received only $50.00 and they cancelled my policy in February. First of all I never received a check back for those months and then my mortgage company quickly put a policy on my home with Safeco at the rate of $17000.00 a year which now is being added to my mortgage.
Reviewed Nov. 12, 2007
Allstate canceled our insurance with them after nearly 20 years. They claimed my house had been identified as one that was prone to wind damage. All houses are prone to wind damage. My home is an older one (built in 1963) and probably built better than some of the new ones. Allstate cares nothing about customer loyalty.
We are now trying to find other insurance. Once canceled by an insurance company, no other company wants to deal with you.
Reviewed Nov. 12, 2007
In July, 2007 we found water damage in our travel trailer and contacted Allstate to file a claim. They sent out an adjuster who quickly cited improper maintenance and said that the source of the water was rain water which had leaked through seams that were not properly caulked and maintained. I asked the adjuster to show me specifically which seams were leaking, and he responded that unless they took the trailer apart, they couldn't pinpoint. Needless to say, I disagreed and asked for a second adjuster; he surmised the same opinion. When asked to prove his findings, I received the same response but also got a commitment from him that if I wanted to have an RV repair facility tear down the damage (on my own dime) and could show that this was not the case, they would re-open the claim and reconsider.
I promptly took my trailer to an RV repair facility and asked for them to open up the damaged area and give me their opinion of the source of water. One week later I was called and asked to come look at the damage. Their analysis was that the city water system piping had failed at a joint (in an inaccessible area to a consumer) and had leaked water into the belly of the trailer causing the floor to soften. He explained that this leak would have been sudden and was not related to improper maintenance.
I contacted my Allstate agent and asked that the second adjuster (who made the commitment to re-open the claim) be dispatched to inspect. Instead, they dispatched the first adjuster who took over a week to come to the RV repair facility. He immediately told the technician that he had already made up his mind the first time, and nothing that he would see would change his mind. Allstate once again denied the claim and sent me a letter stating that the second inspection confirmed the initial inspection, and that the RV repair facility agreed with their (Allstate) position.
I contacted the RV repair facility and asked, and was informed that the technician told the adjuster just the opposite: it had nothing to do with improper maintenance. So, here I sit, a loyal (not anymore) Allstate customer for 19 years with a $4,500 repair bill that I think should be paid by Allstate. I think that Allstate has acted in an unethical and deceitful manner and should settle this claim.
Reviewed Oct. 23, 2007
The subdivision I live in was hit by a freak hail storm in 2006. The roofer (a reputable firm) said there was hail damage. The Allstate adjuster said there was none. Claim denied. This last week my roofed leaked into the bedroom, damaging drywall, carpet and wood. The local Allstate rep told me to have the roof fixed as more rain was on the way. I did. It took the clowns at Allstate over a week to get here. The adjuster was condescending and told me it was due to poor maintenance (house is upscale and only 5 years old). She said the flashing damage was considered maintenance. I have been with ALLSTATE over 30 years with NO CLAIMS and this is how they treat loyal customers. I am canceling. They are cheaters and liars and deserve to go out of business.
Reviewed Oct. 12, 2007
On 8/23/07, when we arrived home, due to seven days' heavy rains, our celing fell in (a portion of the dining room and an even smaller portion of the kitchen).The contractor who came out to temporarily stop the leak stated that when he went up on the roof that evening the wind and rain were so strong it was lifting up the tiles causing additional damage. He was there when the storm was going on; it seems as though his professional opinon would count for something. When the adjuster finally came to our home (in September), he looked everything over and told me that Allstate would cover the entire roof. After leaving my home, he called back and said that he was going to talk to his supervisor to come back to our home. The adjuster and his supervisor came back, and they did not want to cover the entire roof. They said if the contractor would come back, climb on the roof, and show them which tiles were blowing up then we will cover the whole thing. The contractor did not comply so my wife and I have to suffer for their disagreement and personality conflict. This contractor was called after making several attempts to get someone from Allstate the night this occured. We do not know this contractor, and due to the way this was handled he will not be the one getting this work when we do have the roof replaced. We are also questioning Allstate's commitment to thier clients. Please tell me, what is the point in having insurance, if you cannot get the money when something happens? Neither my wife nor I are roofers. We had no idea that anything was wrong with the roof, we had no leaks, nothing. We received a very small check from Allstate for repairs (very minimal), have a $750.00 deductable, and the emergecy service was $750.00. How are we supposed to get the roof repaired? I think that it is all a sham.
This situation has put us under financial distress. Our carpet had to be thrown out (we received a cleaning fee). We already paid additional fees for flood damage and sewer damage. Thank God we were not home at the time, so nobody was physically hurt.
Reviewed July 24, 2007
Allstate isn't even close to a proposal that would repair our house back to the way that it was. Here it is 6 months later and the construction hasn't even started on our house. Yet, we are still having to pay our mortgage, hotel, and full insurance on a house that we can't even walk in. Allstate has financially and emotionally turned their back on us.
Reviewed June 5, 2007
On June 3, 2007 the tree belonging to our neighbor came crashing down and landed on top of our car. Both the Hyattsville, MD police and the Department of Transportation were called and I was informed by both that the home owner should be held liable for the damages to our car.
Reviewed May 17, 2007
I received a letter from Allstate stating that they would not renew my policy because the 2004-2005 hurricane season was devastating and since I live on the east coast, they expect similar destruction.
Reviewed May 8, 2007
I've been with ALLSTATE home and car insurance since 1996, unfortunately past two 2yrs I made 2 claims with Allstate, first was a storm which knocked over my fense and they send me a check for $280, then the second claim was when my home was burglarized last Christmas. 11 years with ALLSTATE with out any complaints until the past year, they decided not to renew my home insurance. I don't know what type of policies they have but I do think this was very unprofessional to their customer for the past 11 years.
Reviewed April 1, 2007
Canceled homeowners policy because my home was built in 1870. The house looks old but built better than most homes that are new. Its been around long before Allstate and it will be still be their long after they have gone outa business.
Reviewed Nov. 13, 2006
I put in a claim for my garage that was damaged by a tree from a storm. I was told that I would get the full amount of the insurance within 5-7 days. It has been a month and a half and I still have not received the check nor any explaination as to why it's taking so long. I don't understand how insurance companies are able to get away with doing this horrible thing to the people who pay their insurance every month.
The damage was to the garage of my home. The garage is detached but the structural damage is unrepairable. Right now it is lingering in my backyard with all kinds of rodents and pest beginning to house themselves inside the damaged garage.
Reviewed April 8, 2006
Our house burned down October 17, 2005. Allstate investigated us and has treated us like criminals for six months. They finally concluded that we had a valid claim about a month ago. We are still waiting. We have had to camp on our property for six months because we are still making our morgage payment of $800.
Reviewed March 8, 2006
The Agent of Allstate has not handle my policy payments in a fair and just manner. They state that I did not pay for Februay and January, but I have sent a copy of the payments that were made on these dates. Now they will not accept my payments for the following month, until they check my records accordingly.
The agent of my account will not return my calls, nor will she handle discrepancy on my account. The agent helpers are very incompetent as well, giving me erroneous information.
Reviewed Dec. 8, 2005
I had a new shingles put on my roof and about 2 weeks later we had a thunderstorm with high winds. The winds lifted the roof and broke the seal on the soffet, moving the roof east about 2 inches. The adjuster for Allstate said the roof moved because the shingles were replaced. They also would not repair the brick damage.
I had a construction company repair the damage for $2900 and the contractor said it was wind damage, just as I decribed above.
Reviewed Nov. 7, 2005
You are NOT in good hands with Allstate!
Even though I was out of state at the time of my house fire, I found out I was GUILTY until proven innocent by Allstate of setting fire to my own home! Allstate denied the claim asserting that I had reason to start the fire because I owed back taxes, or that the fire was started by vandals. The amount of the claim is over $600,000.
I have had to file suit against them with an attorney who's main practice is based around Allstate lawsuits. And since I initiated the suit, I have been dragged into over 27 hours of depositions by Allstate. My family and friends have also been harrased. It has been a year and a half since the fire and will be at least another six months before this goes to trial. My lawyer thinks Allstate will probably try to settle for half the damages.
Reviewed Oct. 18, 2005
I had storm damage to my roof and ceiling. Now the Allstate adjuster claims to have lost all pictures, data and information concerning my claim.
Allstate Homeowners Insurance Company Information
- Company Name:
- Allstate Homeowners Insurance
- Website:
- www.allstate.com