BERGENFIELD, NEW JERSEY -- I have had Allstate insurance for my private home in a suburban northeast NJ area for 10 years. This year, for the first time, I submitted a claim. The claim was handled promptly and completely. A year later when I was due to receive my renewal I instead received a cancellation of my policy. I submitted a complaint, thinking this was done in error.
I received a call the next day (Sept. 2. 2010). I was told that since I only have "mono-insurance" (i.e. only my home, not car, etc) I could not submit more than one claim in three years or the policy would be terminated, no matter what the cost or reason for the claim. It did not matter that I had the policy for ten years without submitting a claim. ANY claim I submitted, would mean immediate cancellation.
Allstate should get a new logo for their advertisement... hands opening and letting their customers fall through to the ground. They are an unethical company. Their representatives give misinformation, telling you what you want to hear (I was told that of course I would not be penalized because it was a legitimate claim and that I was in good standing with the company for 10 years). This is an unethical company with policies that go against the nature of their business. My advice, read the fine print... and go with another insurance company... NEVER use Allstate.
BOLIVER, OHIO -- We had been customers of Allstate for years paying thousands of dollars a year for insurance. It all started 2 years ago with rate increases from month to month. We contacted our agent and they continuously told us they took care of it. Each month a new amount to the point that it became a full time job contacting the agent. 2 years ago they rewrote the policies and forgot to cancel out the old ones so we were double covered, not only were we double covered they were charging us for 2 policies.
The agent said not to worry about the old policy they would take care of it. They took care of it alright, Allstate sent it to collections. After 2 years of playing this game we decided to go elsewhere for insurance. We called and canceled all 3 policies with Allstate and a few months later we received bills from a collection agency due to the agent not canceling the policies when we had asked them to. The really upsetting part is, this is on our credit report and it isn't our fault.
To date we now have 4 bills with the collection agency due to Allstate and we are still dealing with the agent we had trying to get this matter cleared up with no positive results at this time. The agent does not return our calls as promised which is something we have gotten used to. In all the years we were with Allstate we seen no cash back for accident forgiveness as advertised. This particular agent is in Bolivar, OH.
I'll keep this short. I had wind damage to my roof and a rainstorm the day I filed my claim. When the adjuster came, he said that the wind damage was due to lack of upkeep. I was not really upset about this until I received my denial letter. It stated what it does cover is wind/hail damage, and lightning/fire damage. However, they will not cover the damage to the roof itself, nor will they cover any interior damage caused. Um... what do they cover exactly? Also, they do not cover damage due to rioting, plane crash, war or violence, space craft, blah blah blah, you name it, its not covered.
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.
ASBURY PARK, NEW JERSEY -- September 29 2008 had a fire at my house; Deluxe Policy for 8 years; as I submitted all paperwork Allstate requested of me such as copy of deed etc. The only thing left was the Proof of Loss Form; as I have never filed a claim I was not familiar w/ form; I asked Allstate for help; Allstate emailed that Adjuster "D" would help me; I called her & left message; Adjuster never contacted me; I asked many Allstate people for help; but in the end received none.
So Allstate then rejects my claim for... that's right Proof of Loss Form. Status now.. my house sits in an indefinite state of limbo & unlivable & I'm expected to battle Allstate's Lawyer. Now I realize that Allstate was never going to help me, even though I believed I would get help, just one of their tricks to try to get out of paying on my claim. Moral of this story: Get a Public Adjuster. They are familiar w/ the tricks & deceit. My claim continues on... and to end on a positive note... I have Allstate's tricks in writing... and there's more than one.
CENTER MORICHES, NEW YORK -- Went to court years ago when they increased my coverage against my wishes and agreed in court to not do it again. Well I let it ride a couple of years but complained this year. They won't honor their court agreement so just filed another action against them.
We filed a claim, last month. Someone broke into our building in the yard and took quite a lot of tools. Even stole a cast iron bathtub. We turned in the police report, receipts. The adjuster was never in the office. Calls not returned. So we complained. We got another person now. She called today and asked, if we had ever been married before, last 3 years of income tax papers, are we late on any bills.
Sign and mail back paper for her to check our credit report. What is the amount of our house payment, are our cars paid for. I guess I just want to know who the hell does she think she is. I have paid my insurance on time. So I think if it comes down to it they should make a FAIR SETTLEMENT, not ask me for all of this because they did not ask me this when I started with them.
A township vehicle negligently parked on a hill rolled down the street, across three properties and into my yard destroying my pool cabana. The law exempts local governments from liability - they are only obligated to pay your deductible. Allstate refused to send an adjuster to survey the damage, even though my contractor recommended that I take down the rest of the building as quickly as possible for safety and to avoid more damage to my property.
Two estimates put the structural damage alone at $14,500 and $14,200 - not including $8000 for contents, fencing and landscaping. Allstate, told me that while my DELUXE policy included outbuildings, they didn't know what a cabana was and would consider it a shed valued at $3500 less depreciation - even though they never visited my property and ignored my two estimates.
I finally did what I thought an insurance company was supposed to do. I hired a lawyer and threatened to sue the township for negligence - they are responsible for negligence. The Township settled out of court and I was out $2200 in legal fees, but at least closer to being made whole. The topper came later when Allstate more than doubled my premium and I found out that I was deemed not insurable by two other companies. Never had a claim in 25 years!!!!!
HUDSON, OHIO -- I do not advise insuring with this company. They are not reliable when you have a claim. The claims representatives conduct themselves as suspicious of any claim you make. You can tell in their tone on the telephone. I got the impression they did not trust me from the first call. Steer clear.
PHILADELPHIA -- Avoid Allstate. I went to Allstate because it offered a good deal, and I naively believed their ads. They are fine -- as long as you don't make a claim. We had roof tiles blown off by a storm. When I went to Allstate they refused to pay, saying that it was normal wear and tear, despite evidence of the storm (it was in the papers!).
The roofing contractor did say that the roof was old and age may have been a contributing factor. The claims rep told me that the contractor said that the tile loss was due to normal wear and tear; the contractor says he did not say that, but that the storm was the immediate cause. In any case, if you have an old house, expect Allstate to deny any claim, saying it must be wear and tear. I'm cancelling the policy asap!