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Allstate Insurance Homeowners Insurance

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You're Not in Good Hands, Seriously!
Posted by on
My fiancee and I had our auto and home insured through AllState. We never had any problem until the night that I checked my Allstate online account to find out that our homeowner insurance policy didn't show up on the screen. We called and found out that we were terminated a few months before that night because our roof was not in what Allstate considered acceptable shape. We did have an inspection prior to purchasing the home and our home inspector had told us we had 3-5 years before a replacement roof was needed. We expected to need a replacement in the near future, however we weren't expecting to be dropped from our insurance because of this.
We would've appreciated the notice and would have replaced our roof right away because we care about our house and having insurance. The Allstate representative said they notified us and we failed to respond. We immediately searched our Allstate file in the event we mistakenly missed it, but there was nothing there regarding needing a roof replacement.
My fiancee burst into tears when we were told that AllState would absolutely not insure us because of our delinquency to reply to their notice. We explained that we never received such notice as we would have acted on it and did not have any record of it in our files, but Allstate said they did not know that was true because many people choose to go without insurance and we could be those kind of people. We further explained that we would not be calling them to address this issue if were indeed those kind of people, as we wouldn't care to be without insurance, but our call clearly showed our concern. The representative told us there was nothing they could do for us as they would not insure us now that we had chosen to go several months without insurance. We asked to speak to a manager and were told that a manager would tell us the same thing and that it was a waste of our time. We still requested to speak to a manager, against the representative's advice and were told we'd receive a call within 24 hours but we never received a call.
My fiance took the next day off of work so we could work to resolve this problem and get insurance elsewhere since Allstate would not insure us. While she was on the phone with Allstate, trying to find out why we never received these notices, an Allstate representative slipped that they wear not sent to the correct address. It turns out the address they sent the letters to was a rental apartment we lived in previously to owning our house. Funny enough, they sent everything else (bills for both auto and homeowner) to our most recent address, so how did everything but these notices make it to the correct address?
When we found out that AllState sent the letter of notice to the wrong address, they told us we were just as liable as AllState for making sure that the mail was sent to the correct address. We were told that we should have checked to make sure they had the corrrect address. We explained that we never thought they had an incorrect address since the address was correct on our online account and all other mail from their company was delivered to our home address. Furthermore, when we set up the insurance we gave the address of the house where we would need to be insured. Allstate refused to admit any responsibility for this and instead blamed us for not checking to make sure they had the correct address. We asked why they didn't contact us by phone or email if we didn't respond to these very important letters but responded to everything else they ever sent us, but were again told the mistake was in our hands.
My fiancee found other companies that would be willing to insure us at a much higher price since we had been without insurance, but only if we could provide documentation on why we were terminated. She contacted Allstate again and was told that such documentation could not be found. The only documents they could find was a letter stating the termination, but not the reason for termination. This made it impossible to get insurance elsewhere. My fiancee tried yet another Allstate representative, this time someone local. At first the AllState agent had basically the same attitude like the woman from the night before, but he did finally agree to reinstate our policy. Nonetheless, he was merciless in stating that we would have to have our roof fixed before our renewal policy, which only gave us 19 days. We got our roof replaced (tear-off and replaced all boards) the next week. We notified the agent right away, but he said it would take at least a couple of weeks before he could get an inspector to come out to check the roof. When asked whether that meant that AllState would terminate our policy again the AllState agent said yes, they would terminate us again, until the inspector came out and checked it.

Enough was enough, as soon as we got the reinstatement letter, we immediately switched to a new insurance company since we would soon be dropped from Allstate once again. In fact, the broker who assisted us in choosing a company represented many different insurance companies but not Allstate, because he said that this sort of incident was typical of Allstate and many people have had problems with them.
We notified our lender about the switch. I cancelled the AllState policies. I thought the story ended. A couple of weeks later, we received an outstanding balance notification that we owed AllState some money. Apparently it was the cost to insure us from the day they terminated our policy until the end of our policy. The charge came up because the reinstatement was dated back to the day they terminated us. Considering how horribly they've been treated us, I asked myself, "would AllState seriously have covered damage on our house that happened during that period of time when we were cancelled?"Yeah, probably not.
I absolutely wanted to have nothing to do with AllState ever again but to campaign about how horrible the company is to everyone we know. I paid the dues anyway and hoped to never hear back from this company ever again. Yes, AllState is that bad and you will not be in good hands with them.
     
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Venice09 on 2010-12-18:
They were going to drop you again while you were waiting for an inspector? That's incredible. I think they did you a favor. I too would be worried about how they would handle a claim. You might want to think about switching all of your insurance at some point.

Also, if your lender requires homeowners insurance then Allstate would have a record of that. So how could they say that some people choose not to be insured? You would obviously need insurance.

This review makes Allstate look very bad.
leet60 on 2010-12-18:
Just curios. If they terminated you a few months before you were aware, did you not notice that you were not being charged for the additional insurance? Or do you pay annually? If so it would seem a refund is warranted for the months you were not insured.

Venice09 on 2010-12-18:
That's a good question, leet. I didn't think of that.
spiderman2 on 2010-12-18:
also, if you are financed through a bank, they would be notified of the cancellation of your insurance and they will purchase insurance for you at a much higher rate than you can get on your own.
Anonymous on 2010-12-18:
I pay my homeowners insurance with my mortgage. If I was dropped, I would be none the wiser either unless I was told in writing. Allstate reinstated the insurance and backdated it so that there was no lapse in coverage enabling them to get insurance with another carrier so they will most likely not refund anything. They are crooks. I will steer clear of them. Thanks for the heads up and I am glad you were at least able to get insured elsewhere.
Bea on 2013-06-23:
Typical Allstate hijinks!
Magic on 2013-07-30:
I did not know any of this about Allstate. I am praying for the best. I sign on in April2013 and then the inspector found a problem. They cancelled me. I fixed that and then it was another problem, I fixed that too. Now I am waiting to be reinstated.. this is nuts. I wished I did my homework on this company. I am praying for the best.
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Perhaps you should ask first?
Posted by on
Rating: 1/51
PORTSMOUTH, NEW HAMPSHIRE -- I've had my homeowners insurance with Allstate since 1999. In the winter of 2010 I had ice damage to my roof which caused it to leak. It took MONTHS to get someone here to look at the problem. This young man said most of the damage was "old"....well, yes, yes it was because it took them months to get someone here. Forget that, whatever. I wasn't home the day he came, I was working. My disabled Mother lives with me and was here. She thought he was a nice kid.....seemed to be good at checking things out.

Shortly after that I received a letter dated 10-14-11 stating they were going to cancel my homeowners policy due to "debris" on my porch and I should respond by 1-24-13. I wasn't too worried, this man (I refuse to say gentleman because what I'd like to call him isn't kind) didn't bother to ask what things where......didn't bother to ask why my bicycle is kept on the porch (I've no garage, just trying to keep it a bit out of the weather) or didn't bother to ask why recycle items were on the porch. (I work all week and we don't have pickup, I can only go to The Dump on Saturday). I I figured within the next 14 months I'd respond and it would be fine.

Today I receive a letter dated 3-1-12 stating they are going to cancel my policy on 4-23-12.....eight MONTHS before I was even required to respond. To say I'm upset about this is putting it mildly. I've my homeowners ins (paid until 2013), and 2 cars with Allstate. I've never had an accident. Now some kid comes to my home months after I requested someone and does something like this without asking me, the homeowner, any questions. Please make note I listed Portsmouth, NH because my agent is there (who I've always thought was wonderful) but I live in Kittery, ME
     
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Dakota1015 on 2012-03-05:
The "good hands" people. The reason they are dropping you is because you put in a claim. The money only flows one way (to them). I cringe when I see their commercials promoting themselves as a premium insurer. They are among the worst.
Venice09 on 2012-03-05:
It does sound like they were just looking for a way out. Since when can't a homeowner keep a bicycle and recyclables on their own front porch? That's ridiculous.
jonthethird on 2012-03-05:
ANY water damage scares the insurance companies to death. Black Mold, imagined or real, can cost them a fortune.
ok4now on 2012-03-06:
Now you know why they are called "Allsnakes." They want your premium dollars and spend big advertising bucks to get it. File a claim? Screw you. They look for any and every excuse to get out of paying.

My wife was rear ended by one of their insured. She was out of work for 3 months with a documented neck and back injury. At first they refused to even acknowledge the accident! We hired a very aggressive lawyer and it took three years before these toads paid up.
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Allstate Wouldn't Pay Claim In 2005 After Rita
Posted by on
LEAGUE CITY, TEXAS -- I live in the Galveston County area. In 2005, when Rita came through, there was damage done to my home. We left with the millions of other people on Thursday Sept. 22, 2005, and spent over 10 hours in bumper to bumper hot weather. On Sunday Sept. 25, 2005, we returned to a home that had had no electricity for over 48 hours. All the food was gone in the fridge and deep freezer. I had roof damage, most of my fence was gone on the West side of the backyard and there was water damage inside my sunroom and dining room. The roof looked as if it had shifted as there were cracks in all the sheet rock on one side of the home. Particularly my daughters bedroom, the guest bathroom, and spare bedroom. Also, minor cracks in sheet rock in living room. I immediately called Allstate to have them send an adjuster out to the house. I waited 2 weeks for an adjuster.

When he came out he took pictures, statements, the whole nine yards and told my husband and I it would be 7-10 days before we heard back from Allstate about our "approval for claim status". Well, I waited, then waited some more. 3 weeks later I again called to find out the status of my claim and was told that a letter was being sent to me that explained all that was being done, that they couldn't legally discuss my claims over the phone and they hung up on me (In fact, all the CSR's at Allstate stated this and then hung up on me). A week later, I received the letter. We were being denied our claim. That the totals for damages didn't even begin to cover our deductible which was $500.00. I read more of the letter and the 2nd page, which had all the claims, and was furious that nothing of the damages to my home was included. Only the loss of food which they would only cover $450.00.

I called Allstate, absolutely furious, and requested another adjuster come out. They sent one within a couple days. Another letter arrived in 2 weeks again denying my claim because the damages didn't cover the deductible, this adjuster only put down roofing damages! I again called Allstate to request another adjuster, one who could get his "stuff" straight in the claim. The adjuster called and stated that he was too busy and could I please e-mail pictures to him. At this time I didn't own a computer, much less a camera. So my husband and I had to go out, buy a computer and a digital camera, and send the pictures out to him. I got a response again that stated we were denied, AGAIN, this adjuster only put the food and the sheetrock and they wouldn't pay because it wasn't "worth it"!!! I called Allstate again and again and again. We went through 9, yes 9, different adjusters in a 5 month period, none of them could put ALL the damages on one claim report.

Each had only one or two items and Allstate wouldn't pay because it was SO minor or that it wouldn't even cover our deductible. It was infuriating and frustrating what they were doing to us. After the 2nd adjuster, not one adjuster came out to the house. One of the adjusters even called and stated that he was not even going to be able to look at the pictures, that he was going to send them directly to Allstate because he had to go home and help his family evacuate for hurricane Wilma (I felt for him, but, still, it was his job to look into the damages to my home). We had to e-mail pictures of the damages and if we repaired, to mail a copy of the invoice for repairs for a refund. I can't tell you how frustrating this has been! We were denied over and over and over again and not one CSR would explain because of legality issues. I still have the pictures and the letters of denial.

We got to a point where we were fed up to our eyeballs with Allstate and decided that we weren't going to waste our money on them any longer and dropped them like a hot potato. We went to the Small Business Administration and got a loan through them for the repairs. Ever since the last denial letter from Allstate there has not been one iota of contact from either me or Allstate. We dropped them. They sent me some of my money back as we dropped them halfway through the policy period, minus about $125.00 in fees because we were leaving them without proper notification. I wouldn't want anyone to be in our family's predicament. We will be paying back SBA for a long time to come. I thought that Allstate would pay, but I guess that's just dreamin', huh?? Nobody should have to go through what my family and I had to. It was ridiculous and unfair. If I am going to be doing all the work to send out the what they needed then I should be compensated for the damages and my time.

I am not an adjuster, but I sure felt like one with e-mailing this, and calling that, mailing this, receipting repairs and copying that. It was an absolute nightmare!!! If someone could help that would be wonderful. Even if it's enough to cover what we borrowed from the SBA, I'd be happy with that! That would be one less worry on my shoulders and a prayer long overdue! Thank you for reading this and taking this time to think twice. Please consumers, read the fine print on everything!!! My father-in-law told my husband and I that we should have contacted a general contractor and to let them handle it, that we would have gotten results that way.

We didn't know this at that time, but we do now!! We are better informed consumers now thanks, or no thanks, to Allstate!! Anyone responding to this issue, please, when you call, have your caller ID on, I am screening my calls b/c of creditors. If I don't answer, please leave a message and I will respond when message is received. Thank you!
     
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Hugh_Jorgen on 2008-05-23:
Once your repairs are done it might still be worth a couple of hundred dollars to have an attorney review all your documents and see if it's worth a lawsuit. Best of luck.
Anonymous on 2008-05-23:
I'm sorry to learn of another Rita/Katrina victim being dodged by their insurance company. Saddest of all, these insurance industry scoundrels finished off whatever the hurricanes did not. I hope the poster has documentation and takes Hugh's advice...lawyer up and fight back.
add2nharris on 2008-05-27:
I did send all paid documents before and after the SBA loan along with the pictures of before and after repairs. Allstate stated that the case was closed and did not alter the fact that they denied the claim. The total for repairs for inside and outside of my home was over $32,000.00. Allstate stated that they never received any pictures from the adjusters and that I could be trying to "milk" them for money. My husband and I dropped Allstate in April of 2006 (2mths after the last adjuster), after being with them for 3yrs and no other claims made. But, my question is, why did I receive 9 (NINE!!!!!!) different letters of denial??? Allstate stated that that wasn't their problem as we weren't customers any longer that they sent out a refund of time not used on our 2005-2006 homeowners insurance policy and should have put that money they sent toward repairs. We couldn't, because I had to purchase a new policy with that money which wasn't enough to even cover the new policy!! This absolutely rankles. But, I have to forgive and get over it. Just wanted to give a heads up to people out there. Get a GENERAL CONTRACTOR to look at the damage BEFORE (!!) calling your insurance company to make a claim!! Blessings!
GothicSmurf on 2008-05-27:
Read your policy. Some things aren't covered and I hate to say it, but a lot of insurance companies got screwed because people didn't read and assumed things were covered when they weren't.

Also if the loss is less than your deductible, then no money is paid out. I'm very sorry for your loss
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You Are NOT in Good Hands With Allstate!!!
Posted by on
Rating: 1/51
ARKANSAS -- On 6/23/13 my husband and I returned home to find that our lawn mower & trailer had been stolen from our front yard. We contacted the local authorities and filed a claim with our homeowners insurance. The value of the property taken was $3200. It took over a week to finally get in touch with the Allstate Claim adjuster assigned to our case. We conducted our interview, and was advised they would contact us back that day with the settlement.

When we heard back from them, we were told that we would be receiving $328.11 (after our $1000 deductible) for the trailer, and that the lawn mower would not be covered because I used it to mow my vacant lot, and my 67 year old widowed/disabled mothers yard (land I will inherit upon her death). I contacted my insurance agent, and he advised that the lawn mower should be covered, and contacted the adjuster himself. His response back to me was that he had gone "round and round" with the adjuster only to get the same response I was already given.

I appealed and was told by the Allstate Claims management department that because that my policy states that "motorized land vehicles will only be covered if they are used soly for the premises". I told him that upon signing my policy with my agent, when ask if I owned any other premises, I advised I owned a piece of land in a residential neighborhood, and the agent advised me that didn't matter as you can not insure land with no dwelling on it, the premises in question was referring to any other dwelling.

I advised I did not own any other homes. He chose the policy, and wrote the coverage. I am just NOW learning that there are apparently different types of homeowners policies. The Allstate Claims management team very rudely advised they would do nothing further to help me with this situation, and that I could contact the Department of Insurance or anyone I chose to, but the case was closed on their end.

I did take there advice and contacted the Department of Insurance, as well as Better Business Bureau advising that Allstate's advertisement of "being in good hands" is false. I am in no better hands than the thief that came and took our property. The only difference is that I paid Allstate to rob me, making me feel even more violated. I would NOT recommend this company as they do not stand behind their advertisement claims, and they have been very unwilling to help me rectify this situation. Let me also say that I have never received a copy of my homeowners policy, yet I'm the one being punished for someone elses mistake!!
     
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trmn8r on 2013-07-07:
This appears to boil down to you didn't understand the policy when you took it out. From your description, I couldn't figure out if the mower was on your vacant lot, or your 67 yr-old widowed disabled mother's, or somewhere else. Which lot did the insurance cover - one of these or a third lot?

While unfortunate, there isn't much to be done about that at this point. It's not really possible to argue that you had a misunderstanding, unless you have something in writing.
Respond on 2013-07-12:
trmn84 it sounds like you need to read the post again. This is a a lawnmower that he had on his own property and he used it from time to time to cut his aunts lawn. Typical Allstate moment
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Allstate no service, no concern, no empathy
Posted by on
Rating: 1/51
GREENVILLE, OHIO -- Living room ceiling fell in while family (two young children) in family room. Explosive, dust throughout the house. Rafters to room exposed, drywall and insulation 3-5' deep in the room dust and debris flying throughout house. Evacuated family and called Allstate 800- 24 hour claim number. they said a contractor would be sent out in the morning and someone would call that night. No one called. No one showed up. Called Allstate back at noon, contractor showed up at 2pm. No claims adjuster? Contractor asked what the problem was, said Allstate said there had been a fire and he was a fire specialist? When he opened the front door to the living room he said "oh my God!" what happened here? This is dangerous, don't move back in. He said the weight of the ceiling would have killed anyone in the room. He said he'd call Allstate and let them know clean up was necessary before we could get back into the house.

Allstate called and said the claim was denied. When asked why? The girl laughed.... When told this was not funny as we could have been killed (the babies bassinet was buried in drywall). She said 'oh, well I just wanted to tell you why it was denied.

So, homeless for now, 2 days lost work, we're bagging up insulation, stacking up broken bits of drywall trying to get back into what's left of our house..... no thanks to Allstate, no service, no concern, no empathy--but don't be late on your premiums.
     
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Old Timer on 2013-02-22:
So much for "You're in Good Hands with Allstate". File an appeal once you figure out what caused the collapse.
trmn8r on 2013-02-22:
Subtracting out the emotion, and the lack of caring from the "good hands" people, what was the actual reason for denying the claim? That is the most important factor - she said she was calling to tell you the reason for the denial. What did she say?
JR in Orlando on 2013-02-22:
What was the cause of the denial? The issue that might be there is that this is not an "accident" caused by an outside force, but is a cracking, expansion, etc. of the house. My policy, state farm, does not cover it.

In that case, it would be similar to peeling paint, which would not covered. It may be a defect in the building of the house, or resulting problem related to the construction. Before I did too much clean up, I would have an independent adjuster come out, who could help with determining the cause. Perhaps you have a claim against the builder.

I assume you took lots of pictures before cleanup.
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AllState drops you if you make TWO claims even for small amounts.
Posted by on
In 2007, wind knocked off shingles front of house -- $400 claim. First claim ever on this policy.

In 2008, more wind knocked shingles off the back -- $100

Been with Allstate 11 years ... at $800-900 / year.

THEY REFUSED TO RENEW MY POLICY BECAUSE OF THE CLAIMS!

Agent was powerless to override because the two claims were less than 3 years apart. Amount of claim is irrelevant. You're dropped. No appeal accepted. Good bye.

Then when you try to get insurance from ...

Nationwide
Geico
State Farm
Liberty Mutual

... none will issue a policy because of the claims. I called them all. Same rules apply. Two claims in less than 3 years = NO

Had to get insurance through an out-of-state company I've never heard of.





     
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grandma005 on 2009-07-24:
all Insurance company's do this. A insurance company drop me 10 years ago just because I asked about claims that that did not pay out on. They cancel me anyway.
Anonymous on 2009-07-24:
Of course, they want to pay them for ever hoping that they'd never have to give you anything. Typical insurance company!
old fart on 2009-07-24:
Did you try auto owners insurance...
I've had them for many years and never had a problem with a claim...

Just because they are called "auto owners" doesn't mean that they don't insure houses...
Anonymous on 2009-07-24:
Unless your house can be moved with a tow vehicle, like old fart's, I don't believe auto owners will insure you.
chaney2 on 2009-10-14:
these stories are scary.one does not realize how precarious our situations are.whether it's auto,home or health insurance it seems like the customers are at the insurance's mercy.to make matters worse these stresses come when you really need your insurance to come through for you.there is a need to really improve customer protection against these companies.
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House Insurance Is A Joke!
Posted by on
WINONA, TEXAS -- I have paid my homeowners insurance on time since I bought my first home almost two years ago. But it has now been 3 months since my home burned down with my beloved dog inside. We lost EVERYTHING! There was nothing that had not been damaged by either fire, smoke or water. The house in my opinion is a complete loss. This was a small home about 1000 sq ft since it was mine and my husbands first home and was only 2 bedrooms and one bath but we have accumulated a lot of stuff over the few years we have been together. The insurance company will not total our house out so we can build a new one. We have 85K coverage and they say we can rebuild for only $65. We can not even find a contractor that will even consider remodeling the house! Much less for that little amount of money. Allstate is saying that it can be remodeled. I wish I could post you pictures. The living room and kitchen are torched. Our bedroom and spare bedroom are soaked from water and have MAJOR black suet on EVERYTHING! They think since some of the rafters in the ceiling on the un-flammed part of the home are still good (they smell horrible and have black suet on them)and supposedly the subflooring (this is a peer and beam home by the way) is still good, its remodeable.

Burned house - view from outside Burned house - view from inside

Never once did the adjuster crawl under the house and check any of the subflooring and anyone with common sense would know when you soak a floor with thousands of gallons of water and with windows busted out and about 8 good rains the floor is no good! Yeah the idiots sent Service Masters out to board the windows up and they just laughed and said there was no reason to.) HELLO!!! It does not take a rocket scientist to figure this out. My husband and I are devastated over our losses. All of our memories are gone, but most importantly my "child." I will NEVER be able to replace that dog that we had for 3+ years and she didn't have an easy death. But do you think Allstate gives a damn!?! Well no!

As soon as I finish this review, I'm writing our state attorney general and filing a complaint with them as well. I've never lost my home so I can't compare Allstate with other companies, but so far, I can't understand how people can be so smug and shallow!
     
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Soaring Consumer on 2009-02-24:
You can email the photos to the administrator of your website and he will post them with your review.

I am sure it was a devastating loss. It makes me think, what kind of idiots would think that a mere 65 dollars would fix the house?

I think you should get a lawyer and sue them for the $85k plus the lawyer fees. I hope you have a temporary place to live in the mean time.
madconsumer on 2009-02-24:
even in court, the insurance company has last say in these mnatters.

soaked wood can and does dry out and is still 100% of it's normal capacity.

serv pro can remove all the odor, and leave the house as clean as new wood. consider yourself lucky they did not claim arson, and refuse to re-build.
Anonymous on 2009-02-24:
Maybe someone else here with more knowledge will know the answer, but would it be possible to have a second opinion done by another company? Insurance companies are known for these types of actions and it's pathetic. I'm sorry to hear of your personal loss and the loss of your family pet, and I hope you find an acceptable resolution to this. I can't imagine what it must be like to be in your shoes right now.
spiderman2 on 2009-02-24:
It has been awhile since I worked with fire insurance, but a lot of things will depend on what type of policy you had going into this. Did your policy cover actual cash value or do you have replacement coverage? I believe these differences are noted in Texas as HO-A, HO-B and HO-C type policies. I don't know if you can find a public adjust in Texas who will come out, for a fee, and give you his opinion, but that might help. What appears to you to be a "totaled" house may be salvagable. Did your town or county come out and condemn it? Also, if you do want to complain, the proper route for that complaint would be the Insurance Commission for the State of Texas.
moneybags on 2009-02-24:
What Spiderman said. The Insurance Commissioner is the correct route. Send pictures of the damage, the soot and the piers and beams. Wood may dry but it will warp! Sounds like this mat be a 'bad faith" claim in court which may also qualify for punitive damages. Talk to an attorney.
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Solicitation Misrepresentation
Posted by on
Rating: 1/51
DENVER, COLORADO -- I received a solicitation letter in the mail inviting me to contact them for a quote. The letter was addressed to me at my current address and contained accurate information about my home. The letter also had a breakdown of coverages that was close to matching my current coverage.

I spoke to the sale manager and she emailed me a quote for coverage. It was over 300% higher than the original letter I received and $600.00/year higher than my current coverage.
When I called her back, she was unable to explain why the quote was 300% higher than the original letter I received.

I feel that this company is engaging in a program of misrepresentation by sending unrealistic solicitations.
     
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Don't get groped by the good hands of Allstate
Posted by on
Rating: 1/51
MIDDLETOWN, CONNECTICUT -- Due to living in CT and experiencing 1. the snowiest winter in record in 2011; 2. a hurricane in August; and 3. a freak blizzard in Oct (in 2011) my insurance premiums went up by 50% due to weather/storm related claims. Allstate says it can't do anything, and my snide arrogant agent said that I had to stay with Allstate because no other insurance company would insure my house. Then he said that I should never have filed the claims to begin with. What, he could not tell me that when I called the office to file the claims?
END RESULT IS THAT I WILL BE GROPED BY THE GOOD HANDS OF ALLSTATE FOR THE NEXT 2 YEARS. BY INSURANCE FROM ANOTHER COMPANY!!
     
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ok4now on 2012-07-27:
Another Allsnakes satisfied customer. A 50% premium increase is robbery, I have never heard of such an increase. This agent really has you between a rock and a hard place. Have you tried shopping for a new H.O. policy? Try Traveler's. They have very competitive rates and excellent customer service.
CowboyFan on 2012-07-27:
The problem with filing claims on home owner's policies is that multiple claims indicate:

a) The home is not structurally very sound, e.g. an older home, roof shingles not installed according to new code, etc.

b) The insured will claim for every little thing, indicating that costs paid out to the insured will be great, and thus their premiums go up. The assumption is that one is not going to make claims for small damages.

It is best not to claim, or even call about a claim, unless it is something serious. The agent is probably right: with that claims history, who would want the OP as an insured but at a high premium.
Nohandle on 2012-07-27:
A 50% premium increase on HO Insurance is not unheard of. Ask some folks living in Florida, Georgia, Alabama, Mississippi and Louisiana. Many of the individuals never filed a claim ever. Let there be a huge loss in an area and by golly if a company continues to write insurance there are so many exclusions the property owner doesn't know if anything is covered.

A number of years ago I had a very costly burglary (B&E) at my home. There was no doubt in my mind State Farm was going to either cancel my insurance or increase the premiums so much it wouldn't be worth it. No cancellation and no increase in premiums. Go figure that one out.

I have heard of some people filing for everything that happens but most have at least a $1,000 deductible some even more. Decide yourself if it's cost effective. The loss had better be a heck of a lot more than my deductible for me call my agent.
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Fictitious Allstate Policy
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When we moved to the Cleveland area from Indiana back in 1997, we transferred our auto and home policies from there to here. Our agent asked for and cashed our check for $400+ to cover the first couple months of the policies. After asking for a proof of insurance card for our vehicles, our agent offered us a handwritten card with our policy numbers on it (on his business card; I still have it in my possession). When we called Allstate a couple weeks later about our permanent card, we discovered that our agent had never filed for our policies and moreover had issued us fictitious policy numbers.

Multiple calls to various people at Allstate corporate resulted in no progress other than to frustrate my wife to tears (literally). We finally resorted to filing a report with the Ohio insurance regulators, which got Allstate's attention. They finally managed to rectify the problem, but by this time we were transferring our policies to other companies who were customer-friendly. The icing on the cake was when Allstate sent us a collection bill for $200+ for insurance we never had. In a phone conversation with a high-level Allstate executive, I stated that they could write it off as a cheap learning experience or take me to court over it so I could have fun relating my story to the media. Nobody at Allstate or at the Ohio Insurance Commission ever asked me for the handwritten card.

I understand that no company can 100% prevent rogue employees from cheating customers. A well-run company will immediately fix any problems caused by its employees without any effort on the part of the consumer, though. And a termination for the agent was certainly in order. As far as I'm concerned, Allstate will never see another dime of my money, and I never miss an opportunity to relate my story when in I'm in a conversation with someone about insurance.

The postscript to this story is that we were told by a couple Allstate agents later that this guy was a trainer and was well-known in the local Allstate "community" as being dishonest. Just another reason not to trust the company.
     
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rockfishing on 2010-09-14:
Is this a complaint from something that happened 13 years ago ???
jktshff1 on 2010-09-14:
NWIWLF
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