ILLINOIS -- Stay Away from AllState Insurance. I strongly suggest anyone and everyone NOT to use Allstate. They will do everything possible to keep from paying out for a claim. Here's my situation: On November 8th, when I was having breakfast my glass of milk slipped out of my hand and spilled all over my laptop. Yes, crap happens. It was one of those mornings I was checking my email before leaving for work.
I'm a full-time computer technician and living on a dairy farm just south of Harvard. I contacted my agent, and he said the renter's insurance doesn't cover any accidental damage like that. So, I took and threw the laptop in the dumpster since everything was fried in it.
Then on November 10th, my wife's laptop got damaged by the thunderstorm that we had roll threw out area that night. I waited until Monday the 13th to call the insurance company. Went all the way through the procedures of filing the claim. Gave them a full insurance evaluation that we as computer technicians are trained to do.
Well, they called my back a week later and said that they rejected the claim. I called customer service and asked them, they said that because they believed that I was trying to get the same laptop fixed under two different claims. I asked them, "Am I the only one that owns more than one laptop???" The agent couldn't respond. I told them it was a week of bad luck all the way around.
Even on the farm, we lost 2 cows, out of 30. That's a big loss. The first laptop was made by a company called Spartan. The second was a Dell. The Spartan was only worth about $1200, but my wife's Dell was one with large hard drives, 17in LCD, a newer Core Duo chip. It cost around $2200 when I first purchased it. That's a big loss if you ask me.
Now the insurance company wants to do absolutely nothing about it. They said I could file a lawsuit with an attorney. But, by the time I do that, I might as well purchase a new laptop. Attorneys aren't cheap. My suggestion, get your insurance from State Farm or Country Companies. I went to Allstate because they offered a lower renter's insurance policy for me. BIG MISTAKE. Thanks.
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 2 pm. 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 cleanup 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.
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.
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!
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. BUY INSURANCE FROM ANOTHER COMPANY!!
CALIFORNIA -- We just recently had a leak in our kitchen - turns out it was a busted water pipe behind the kitchen cabinet wall. I understand that the insurance company does not cover faulty plumbing but will cover damage caused by the water leak. We had to turn water off to our house, otherwise we would be living in a river. We can't use our kitchen at all, nor can we take a shower, wash up, or flush the toilet. Allstate offered to reimburse us for our meals and mileage (as we live 45 miles to the closest establishment).
The right thing for Allstate to do is put us up in a hotel since our home is considered "non-usable," especially with 2 disabled adults - driving 45 miles each way, three times per day, is really not feasible. First, I'd like to know why Allstate has refused to put us up in a hotel room? I understand about not paying to fix the plumbing, but because of structural repair and lack of use in the home, this should be covered by insurance. Why would they pay for our meals and mileage but not a hotel room? Isn't that the same concept?
Second, I do not believe that the adjuster has any idea what he is talking about (and our agent sure has no clue), so who should I contact in Allstate to solve this problem? In the meanwhile, I am sitting in a home with a kitchen that is partially demolished and have no access to water. Do I have a good case to take to an attorney?