Allstate Wouldn't Pay Claim In 2005 After Rita
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!