Allstate Insurance Homeowners Insurance - Page 2

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Rate Increases, no accident forgiveness, bad agents
Posted by on
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
     
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Soaring Consumer on 02/11/2010:
I suggest sending letters of dispute to the collections agencies in certified mail. Then contact your state's insurance commissioner for help with cleaning up this mess, as obviously you should not be expected to pay multiple times under multiple contracts when physically you can only be covered once.
Ponie on 02/11/2010:
This 'complaint' doesn't make much sense to me. If you were having the raise in premium problems with Allstate as long as two years ago, why didn't you switch to another carrier? How can an insurance company send you to collections when all they do is cancel your policy for non-payment of premiums? My auto insurance is up for renewal next month. I already have 'feelers' out for a lower premium. If I get one, I'll sign up with the new company and ignore the statement sent by my current provider. My current policy will simply lapse.

Soaring, you've never purchased an insurance policy, have you? If you did, you'd know how they work and would question this complaint as I do. There's more to this story than what's been presented.
extremely enraged on 02/12/2010:
Ponie for your 411 When I talked to the agent she said she took care of the increases and the bill was back to normal. And yes you would've thought the policy would have just lapsed but instead they kept us double covered and sent us to collections. As for the other policies; after obtaining insurance elsewhere I called and canceled them but the agent didn't cancel the policies out and they too went to collections. The policies didn't cancel for months after I had called and canceled them. Then all of a sudden I get a paper in the mail from collections. Don't be a hater just count your blessings that you don't have these kinds of issues.

Soaring - Thanks for the information I am already taking those steps as well as obtaining legal advice.
Ponie on 02/12/2010:
I'm giving up trying to understand this complaint! If you had two policies at one time--why did you pay for both of them? You just pay one bill. Problem solved.

There is no WAY an insurance company can send your account to collections. They simply cancel coverage. A credit card company can do so because of your failure to pay for goods purchased and in your possession. An insurance policy is purchased for a *future* eventuality.

Sorry, but I'm just not buying your story here.
Anonymous on 02/20/2010:
Ponie, I am also confused by the same things. The OP just isn't clear enough for us to be able to offer advise or suggestions.
Anonymous on 02/20/2010:
"It really isn't for you to understand anyway."

Actually, yes it is. That's what this site is all about. People post their complaints... and then members here try to discern what people are complaining about and offer advice on how to rectify something.
Ponie on 02/20/2010:
'Ponie - I didn't pay for both policies that's the problem. It really isn't for you to understand anyway. Don't you have anything better to do.' extremely enraged, you can keep repeating your story over and over--but I'm just not buying it. If you don't pay your premium, your policy lapses. Period. No sending to collections, nothing. You just don't have coverage. P&C Contract Law 101.
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Worded so they do not have to pay out on anything
Posted by on
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 lightening/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 do do rioting, plane crash, war or violence, space craft, blah blah blah, you name it, its not covered.
     
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skelly39 on 08/06/2009:
Read your policy. It will tell you what is and isn't covered. If you have questions about it, ask your agent. That's what they get paid for.
Anonymous on 08/06/2009:
Sounds like the typical insurance company.
bcd on 08/06/2009:
Get a written repair estimate and cause of damage from a reliable roofer. Have the roofer directly address the claim that the roof was not being maintained. If it disputes the adjuster's claim you should submit the estimate and cause of damage to the insurance company. The adjuster's job is to save money. Is the adjuster qualified to make such a claim?
Soaring Consumer on 08/06/2009:
Best answer BCD. If they continue to deny the claim after the damage is proven to have been covered then contact the office of your state's insurance commissioner.
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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 07/24/2009:
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 07/24/2009:
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 07/24/2009:
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 07/24/2009:
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 10/14/2009:
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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Proof of Loss Form...Get a Public Adjuster
Posted by on
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. Statis 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.
     
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Soaring Consumer on 05/18/2009:
Unfortunately battling Allstate's lawyer may be your only answer. It would be best to hire an lawyer that only takes payment after he wins, as it looks like you will need to fight this to the end.

You may want to contact your state's insurance commissioner for help as well.
Asbury Park NJ on 05/19/2009:
I am looking for a Lawyer; I have an excellent case against Allstate because I have their tricks, deceits & lies in print. And as for Adjuster "D" who completely neglected to contact me, I would like to hear what she has to say about it, I have written to her but she does not return the correspondences, she has also depreciated my personal property by 90%, sounds like a "McKinsey Job"
rudybjr on 05/19/2009:
Sleazy insurance company, just like ALL of them.
Ponie on 05/19/2009:
APNJ, even though I deplore this horrendous lack of service, why did you not continue to contact Allstate just because you didn't hear from adjuster D or some of the others you tried to contact? Although you had many things on your plate at the time, had it been me, I'd have been on their backs like white on rice.

You have either an Insurance Commissioner or Director in NJ. I advise you contact this person.

No, rudybjr, all insurance companies are not sleazy. I worked for the 3rd largest company in the US, and believe me, these shenanigans didn't take place. If perchance a rep was caught doing anything unethical, after a complaint to our state's Insurance Commissioner proved to be valid, the rep was both fined and drummed out of the insurance industry. There are a *lot* of good insurance companies out there.
Ponie on 05/19/2009:
BTW, is this 'Allstate's tricks in writing..' something from Allstate or a third party? If 3rd party, I'd take it with a grain of salt. However, I feel you have a good case for your state Insurance Commissioner/Director.
Asbury Park NJ on 05/20/2009:
I cannot tell you how many times I contacted Allstate in Certified Post Office Mail & emails; I posted on this site to educate others with this Proof of Loss form because if Allstate did what they put in print which is Adjuster"D" helping me with that form than Allstate had by Policy 30 days to settle my claim and that was Allstate point to all of this so they could either hold up my claim or find a way not to pay at all because Allstate is saying I did not comply with Policy when I did not get that Proof of Loss form into them within the first 60 days from date of loss. I did rely on Allstate's written promise of help with that form but I see now that Allstate was never going to help me. Allstate has 90 days from date of loss to settle claim as per Policy or Insurance Contract so the Proof of Loss form is a way out for Allstate because that form must be not only submitted within the first 60 days from date of loss but filled out completely & correctly by you the Insured. The emails were directly from Allstate & I did write a complaint to the Insurance Commission but have received no response from them & when I call I'm told they have not gotten to my complaint yet. Just be careful with the Proof of Loss form it's not an easy read or easy to understand it's fill in the blanks and get a Public Adjuster to help you with form they know it all to well.
Asbury Park NJ on 12/01/2013:
Update: I wrote the complaint, shortly after that, this is what Allstate did to me so they could cheat me out of my homeowners insurance claim, Allstate would not respond to me, Allstate sent a thug to where I was living, in which I was terrorized and stalked for many months, I lived alone and in complete fear, one night I took out the trash, when this thug grabbed me and beat me up, stating to me, "Allstate wants you to go away", I have spent these past years trying to recover, there has to be a stop to the way Allstate handles business, for what they did me went to far, as for the InsuranceCommission, useless.
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StarStarStarStarEmpty Star
Refused to honor court settlement
Posted by on
Rating: 4/51
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. The won't honor their court agreement so just filed another action against them.
     
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trmn8r on 07/10/2012:
There must be a lot more to this complaint.
Alain on 07/11/2012:
In the early 60's my father filed a suit against Allstate (automobile) in California and won. They tried to delay, but the State made them comply or risk not doing business in CA. In the 80's I filed a suit against Allstate (auto Virginia) and won. Again, the State had to force their compliance. I realize I have a personal bias with this company, but I would not trust them further than I can spit. Just my opinion. For a more objective point of view, trust your attorney.
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Homeowners insurance
Posted by on
We filed a claim, last month someone broke in to 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 anouther 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 are 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.
     
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Anonymous on 07/20/2010:
Sounds pretty intrusive to me. What does their financial status have to do with the claim?
That is the insurance investigator's job isn't it?
Anonymous on 07/20/2010:
So if I have a few late payments and don't have a job will they still honor the claim?
SOP? No BS.
If this were Donald trump filing this claim over tools would they question his claim?
The police report should be enough along with the adjuster's findings.
leet60 on 07/20/2010:
Never think, for a minute, the insurance company is in business to pay out on claims willy nilly. Most adjusters will take a HARD look at any claims, fraud is ramapant against insurance companies. Sounds like they are doing their job.
Anonymous on 07/20/2010:
Sounds like you are not in good hands with ALLSTATE.
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Thanks for Nothing
Posted by on
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!!!!!!!!!!
     
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ALLSTATE HOMEOWNERS
Posted by on
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.
     
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Skye on 02/21/2010:
That's their job, to make sure people aren't committing fraud. We've had Allstate homeowners, have 3 vehicles insured and have been completely satisfied.
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Home Owners Insurance
Posted by on
TUSCALOOSA, ALABAMA -- I was using All State for my auto insurance and when I bought my first house last year I went with All State for my home owners insurance. A few months later I got got a better rate on my auto insurance from a different company, so I switched. I was also contemplating switching my home owners insurance as I could save money on that too, but I had waited until after the auto renew date, so I figured I'd wait until next year. Then, the other day I got a letter from my mortgage company requesting proof of home owners insurance. Turns out All State had cancelled my insurance a couple of months ago without ever contacting me to let me know. My credit is better this year than last and there has been no events that have made me a riskier customer over the last year.

The only thing I can think of is that they didn't like it that I cancelled my auto insurance. In any case they can take their "good hands" and shove them up you know where!
     
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Is there anything I can do to increase my payoff?
Posted by on
JACKSON, OHIO -- I submitted a claim with my insurance (ALLSTATE) after a break in and burglary in September 2007 and they did not send me an offer until May of 2008, stating all the while that 'it was under investigation' like I was doing something illegal by submitting a claim. Yes my claim was fairly large ($31,000), but it wasn't my fault, that I was burglarized. The offer they gave to me was 51% of the amount of the claimed items that were stolen from me. Items were left off and the price greatly reduced.They claim a number of reasons, the price for each item (if I don't have a receipt) is based on their price, and depreciation. Also, I requested the sales tax amount be refunded (I had to pay it for the original item and I am going to have to pay it for the replaced item) it was denied. Not only did it take the amount of time it did, I am not going to get the full amount for my items. What Can I do?
     
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Nohandle on 05/04/2008:
You didn't mention the items stolen. Some must be on an endorsement; jewelry, furs, silver and the like. I had a burglary (B&E) of jewelry and what was on my endorsement was covered in full up to the last appraised value, no deductible was charged and the first $2,500.00 on items not on the endorsement included.

Your claim was "under investigation", well mine was as well. What is to prevent someone from claiming a theft where none occurred? Increase your "payoff" I don't think is an option if you don't have some sort of proof you had the items to begin with. I think contents coverage on most homeowner's insurance is 50% of the value of your home, but someone versed in insurance best come aboard. Gothic, where are you?
GothicSmurf on 05/05/2008:
Thanks NoHandle. You provided great information!

I work in claims currently. You are only paid for what you lost- deprecation, UNLESS you have replacement cost coverage on your policy. Which it sounds like you don't.

If you aren't happy with the depreciation, then you can check with the IRS as they do have standard guidelines for deprecation. Items like clothing and shoes depreciate faster than say CD's and DVD's. Everything in your home depreciates, save for antiques.

If you don't have receipts, then most companies use "fair market value". It also makes a big difference on your descriptions. If you just said, "Sweater" it'll be different from the "Brand Name Sweater" from Macy's. You can always ask to have your info reviewed if you are able to provide more information.

As far as how much contents are valued in the home, it depends on the type of policy and the state you are in. I can't get much more specific than that with the information given.

For larger claims, it does take a longer amount of time to settle.

There is a chance too that they gave you half the money up front and are waiting for receipts for your to replace your contents.

Bear in mind, the insurance company WILL NOT pay for upgrades. In certain items, like computers, the life cycle is so small that you have to upgrade, but the company will not pay for unnecessary upgrades. IE if your computer had a 1gig memory, they will not pay for you to go to a 2gig if the 1 gig is still an avail.

Nohandle was also right in the fact that there are certain limits (not necessarily endorsements- endorsements would be above and beyond limits) on the policy.

Any more questions, shoot me a PM here and I'll see what I can do.

But under no circumstances is the insurance company going to pay you more than your items are worth. Nor will they pay for upgrades.
sandyd0602 on 07/21/2008:
You really need to go to this new website. It's called www.mysmartclaims.com. It is amazing, it worked great for me. I had a flood in my home after Hurricane Wilma in Miami. Allstate offered me about $20,000 to repair the roof and floor from water damages. After hearing about this website from a public adjuster I checked it out. It gave me an estimate of $300,000 and with that 'second opinion' I was able to settle for $190,000 with Allstate plus did not have to give a percentage of that money to a public adjuster. The site is designed to have you act as the adjuster by using the estimate that the insurance company gave you, so there is only a small fee charged that comes with a money back guarantee. You can't lose... you should definitely use this site.
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