HENDERSON, NEVADA -- A plumber ran a snake through my drain and caused water damage and mold. I called Allstate, they sent an Adjuster two weeks later. She told me without seeing the mold, only sticking her hand under the plastic that they did not cover the mold, it was "old". Each Adjuster that I talked to had a different story. Some would cover it, some wouldn't. Allstate cannot get their stories straight. They are very rude people. Although the Amendment in the policy says they will pay water damage and mold remediation, they don't. The Supervisor in Arizona told me that anything over 7 days old was called old and they did not cover that.
So if something happens to you and you turn it in on the eighth day it is now weeks and they do not cover it. I have now been five months with no kitchen and the back wall of my house is cut out. Their Adjuster, Michele Ganz said she would cover a spot of mold that was on the wall of my kitchen, only that spot of mold was actually dust from the compressor on my refrigerator. I showed her mold on the back of my carpet, where it had leaked into my living room, she told me that I could scrape that off. I even tried contacting the CEO of Allstate and could not get past his Secretary. These people are unreliable and you definitely are not in good hands. By the way, I am a Senior Citizen.
BLOOMINGTON, MN, MINNESOTA -- I had an accident which was totally not my fault. The lady failed to yield at an intersection. After the accident, I called her insurance to file a claim. They gave me a person that was handling the claim and he took his time trying to get it resolved. I provided a police report clearing stating that she was at fault and was even given a ticket for it. They still continued to investigate and determine that they would only cover 90% of the accident. They tried tell me if I am driving through areas that have side streets, I should always slow down when I am passing any side roads which is BS!
I argued with the adjuster until I was able to speak with his supervisor. She finally agreed to pay 100% of the claim. After that, they continue to make you go to them to finish the paperwork of getting your settlement after having to return the rental car they provided. They are very difficult to work with and expect you to just figure it out on your own when it wasn't even your fault and even tried to blame you for the accident. I suggest never having them as your agent as they will try to pay out as little as possible but have high premiums.
ATLANTA, GEORGIA -- Got my new insurance quote. $237 more/6 months because of two little things: a couple LITTLE, and I mean LITTLE, fender benders and a ticket. I didn't kill anybody, they didn't pay out a lot of $$ like it was some big accident between two incapacitated vehicles, nor did they pay out anything on my vehicle. They just take advantage of a small situation/accident to make it a large one that benefits them and I'm tired of those greedy companies. What if it had been a big accident? Then what? $5000/year? Insurance is nothing but a racket. Always has been, always will be.
LAWRENCEVILLE, GEORGIA -- My vehicle was broken into and items stolen from the car while staying in a hotel away from home. Vandals broke the door glass, incident was captured on hotel surveillance video. Despite reporting loss within hours and providing the company with all contact information for the hotel, the police department, report, detective, hotel insurance carrier and the surveillance company the personal property claim remains pending 90 days out. Video shows 5 packed bags removed from the car by the thieves. Allstate agreed to cover the car immediately but offered no immediate assistance for the window repair and assumed the damage was under the deductible.
After I located a mobile window replacement myself so I could mitigate the damage and continue home the carrier deleted the claim without contacting me for inspection of the car. I had to re-submit the claim for damage to the car which was paid 3 weeks later. Despite accepting that the loss occurred, Allstate refused to extend coverage for the personal property for over 60 days.
Allstate sent a letter indicating that hotel carrier was extending coverage. Hotel carrier denied the claim and stated in writing that no one from Allstate had contacted them. Allstate then claimed letter indicating extension of coverage by the hotels carrier was a typo. IF YOU HAVE INSURANCE WITH THIS COMPANY FIND ANOTHER CARRIER BEFORE YOU HAVE A CLAIM. Policy Home & Auto since 2006.
BROOKLYN, NEW YORK -- I had an accident and was in the right. The car that hit me was in the wrong. The place where the accident happened, had a video, which Allstate refuses to request. I had a lawyer and witnesses. The rookie police officer wrote the report wrong. I did not see the report until three days later. I confronted the officer, he refuses to change the accident report. Allstate insists that I was wrong, when I was right. My lawyer told me, Allstate made their mind up before the accident. They are committing fraud. They never requested the video tape, never came to the accident scene, nothing!
Whatever was said to Allstate, made no difference. I Feel this place where the claim was made is corrupt. I wrote to State ins. company, complaining about Allstate, this was 7 months ago. They still did not select a claim adjuster. Why? There is fraud everywhere and we allow the insurances companies to get away with murder. That is why our insurance policies go up every 6 months, because of fraud and corruption.
CHESAPEAKE -- They recommend using repair centers in their network, bragging on the customer service. Horrible customer service, it took a week to get an estimate, When I dropped it off, they said they would have an estimate in 2 days. They kept my vehicle 5 weeks and saying they were backed up, waiting on parts, still working on it, Meanwhile dragging their feet about giving me an answer in helping with a rental once my rental allowance ran out. I ended up without a vehicle for 9 days.
Allstate kept referring me back to the repair shop would not have chosen if they had not recommended. Allstate did not have me in good hands. I have been with Allstate for 20 years, but I am shopping for new coverage for my house and 2 cars.
SHAWNEE, KANSAS -- Last March I decided to switch Insurance carriers and shopped around with several providers. I settled for Allstate Insurance -- an Agent with Modern Consulting, Inc. was very attentive and answered all my questions. I had a lot of questions because I wanted to make sure I compared apples to apples. After much review, I decided to switch autos, home and rental on a package deal.
Two months after the policy came into effect I got big increases in the premiums for the home and rental (both paid by the mortgagee), with no good explanation. It simply was a bait and switch scam. I was lured by a competitive rate and two months after, when nobody is paying too much attention (because you assume you have your policy settled) I get a notice for the increases. The increases made the work of shopping around and the switch from the previous carrier worthless. Be very careful with Allstate Insurance. Don't believe their quotes, they'll sneak increases when you're not watching.
I've been shopping for H.O. Insurance after Traveler's whacked me with a $400.00 premium increase. Five year customer with no claims. Called Allstate for a quote. Gave them my info and told them I wanted a $500.00 deductible. The agent emailed me the quote in a PDF file. Everything looked pretty much standard including the $500.00 deductible I requested.
Buried deep in the fine print was a "Tropical Wind and Water" clause. Huh? Never heard of this one. Allstate is slick, here's how it works. A Tropical Storm originates in the Caribbean with Hurricane Winds then makes land fall in Florida. It then goes up the East Coast but rapidly diminishes. By the time it hits N.J. and further points north it's just a rain event.
Now a policy holder in N.Y. files a claim for minor damage to their home. They have a $500.00 deductible. Allstate says this does not apply because it started out as a Hurricane 2000 miles away. The deductible is now 3% of your home value. What does this mean? Let's say your home is insured for $300K. You expect a $500.00 deductible. Wrong!! The 3% now kicks in and your deductible is now a whopping $9000.00!! This is why they are called "Allsnakes." Buyer beware!!
2 hours short of a week since we bought a new-to-us car, my wife is at Petsmart and some lady backs into our car, causing $1,300 worth of damage. The woman that hit our car admitted fault at the scene, but apparently the story changed to the insurance company. No cameras. Her insurance (Allstate) talked to us about splitting the damage, but now we can't get anyone to call us back. Anyone out there have any experience with this? Is there anyone we can complain to, to get some action? Small claims court? If so, are we suing the driver or her insurance company? I'm at a loss.
HINSDALE, ILLINOIS -- My parents have been loyal customers for 40 years and the agent has taken many many dollars from my elderly parents. When I call her she told me that they would get a 15% off for the past many years but fail to provide them with even a written letter saying they would get this discount. Then she had the nerve to say that since they had a small claim after no claims for 40 years that they will not get the 15% discount.
I ask her to provide my parents their 15% discount for all those past years they haven't had a discount. She says she cannot do that. I cancelled the policy and we went to another insurance company then she has the nerve to send them an outstanding balance bill because she said she had to terminate the policy.
I am filing a complaint with the BBB and filing a complaint to the department of aging. If this is how this crappy company takes care of their 40 years loyal customers I cancelled my policy with them as well. Beware you're in good hands till something happens then they open their hands and treat you like crap.