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Allstate Insurance - Page 3

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67 Reviews & Complaints
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No Coverage Now That I Need it.They Told Me I Didn't Need It When I Bought the House
Posted by Jetter333299 on 08/07/2013
OHIO -- I have been an Allstate customer since 1992. Both for cars and my home. When I bought this home, I went over the policy with my agent at the time. One of the concerns was flood insurance. The area around me had actually gone through extensive flooding while the closing was in place. We live close to the river that leads into Lake Erie. My agent at the time told me I didn't need flood insurance due to the proximity of where my home was to the lake. With that advice, I didn't purchase flood insurance.

Most recently our area was devastated with heavy rains that lasted for hours upon hours. Many homes got flooded. Our area didn't get the backed up sewers and standing water. But what some of us got was water coming into our basements from the foundation. That's what happened to my home. The foundation couldn't handle all the water. My basement was flooded. Many things were lost and had to be thrown away.

So I called Allstate. I got a letter stating I didn't have flood insurance and wasn't covered. After days of thinking about it, I started to realize we didn't really get flooded here at all. It was a foundation issue that caused water backup. So I made another claim. I was called by Allstate that they were sending an adjuster to my home. With this, I assumed they realized my situation and was going to compensate me for the damages. So the agent came and took many pictures....all the while knowing I wasn't going to get any help. Why take all the pictures, go throughout my house looking around only to then tell me they can't help me? That's what infuriates me. They wasted my time and there time to tell me exactly what they already did previously.

So now my next concern here. I was told by someone in the waterproofing business that once your home gets water in it, that there is a trail that was made and the water will come in again. So now, if it was to come in again, before I had the funds to have all the paneling taken down and replaced, that once again I'm not covered? This is a terrible way to handle the situation the way it was.

Allstate has done me bad.....just like they did with my car insurance in 2007. A letter at that time was sent out to me apologizing for the mix up and they realized what they did. I should have dropped my home insurance at that time but did not.Im sure at this time I will.
     
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Posted by trmn8r on 2013-08-07:
I don't believe flood insurance, even if you have it, typically covers wall coverings, carpet, household goods, etc in the basement.
Posted by CU on 2013-08-08:
When flood insurance is mandated in any given area, thebank that holds your mortgage is aware of the mandate and will require that you pay it as part of your mortgage payment. The fact that your bank hasn't insisted on it might indicate that your agent may have been correct that it was not required.

In any case, I am not sure this would have fallen under flood insurance. This wasn't a flood, it's a bad foundation. I would think it would fall under home owner's insurance.
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Terrible Customer Service
Posted by Amyers614 on 08/07/2013
GWINNETT, GEORGIA -- Allstate is saying that I still owe them nearly 100$ after I cancelled my policy in June of 2013. First off, let me say that I asked my agent before I cancelled if she thought I would owe any more money because I could just go ahead and pay it while I had money in my account considering I'm a college student on a very strict spending limit. She had told me that I was fine and would not owe anything; I was happy with this statement. I thought all was well and taken care of. Not ever two weeks later I received a letter in the mail saying I still owed them money and every two weeks since then I've gotten that letter.

I called my former agency first and spoke with them and was told that "no one in the office would've told you that you didn't owe any money because we don't handle that kind of stuff here" and that "when you pay your statement every month you're actually paying for coverage of the previous month." A) how can you say that you're firm doesn't deal with accounting issues when I can call and make a payment over the phone with you, therefore, you handle money and can do the math to see if I will still owe money or not. and B) how does that make sense? Why would I pay after the fact to have my car covered? I would be paying to insure my car for the upcoming month.

After this I called 1-800-ALLSTATE (the customer service line) and was connected with two difference foreigners whom I could barely understand and one of them supposedly being a supervisor. The "supervisor" proceeded to YELL at me and tell me that I was wrong and when I make my payments on the 11th of every month to cover the 25th-25th of every month that it's actually a late payment. How?! That makes no sense. That should be considered an early payment if anything. He then told me that "you should just pay the money because it's really not that much." Maybe for the supervisor of customer service that isn't a lot of money, however, for a college student who is paying her own way through and buying/renting my own textbooks, that's a lot of money! That's one of my textbooks alone! What ever happened to "the customer is always right"? I feel like I have been constantly lied to, cheated, and robbed from this company. I will never use this company ever again and will never recommend this company to any of my family or friends. For minimum liability on a 1998 Acura, 130$ a month is outrageous and my premium continued to climb even with the Good Student and Good Driver and Automatic Payment discounts. The representatives in this company are miserable at customer service or providing any form of help to customers. I had been with the company a full year, my parents for over 20 years, my grandparents for nearly 40 years, my boyfriend for 6 years, and my brother for 5 years. They have just lost themselves a whole family of valuable customers and many more to come as soon as all of this comes out.
     
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Posted by Ronn on 2013-08-07:
Believe me, I understand....if I had the time and effort here, Id type in probably a 5000 word experience. Actually two experirnces.
Posted by CU on 2013-08-07:
If you cancelled in the middle of a cycle, you almost certainly owe them for some number of days.

For instance, if you cancelled around the 19th or 20th, you'd owe for around 24 days at $4 a day. They sould be better able to explain this to you. It does sound like maybe they were trying to tell you that you paid on the 11th, for the prior period, which runs from and to the 25th of each month.
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Allstate for 49 Years, Two Small Claims and No Renew!
Posted by Randynrenae on 07/28/2013
I had Allstate Insurance for 49 years. I had two small claims for water damage and they would not renew when policy expired. 49 Years! Plus when I switched to Alied it was $900 per year cheaper (3 cars and house). $900! Stay away, very bad hands!!
     
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Posted by some body on 2013-08-07:
had allstate homeowners 42 yrs no claims. had allstate auto the person my wife hit sued and won 60k from allstate. now allstate home want to drop us cos it sez the paint is bad on side of house
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Go Elsewhere
Posted by Spurney.1 on 06/28/2013
These people are just after your money, and when it comes down to it, they won't cover you. Their customer service is SO terrible, I don't know why this company is still in business. Go elsewhere, your life will be so much better without Allstate in it.
     
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Posted by D on 2013-06-28:
Details please
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Home Policy-- Bait and Switch. Quote a Price and Increase 2mo. Later
Posted by Sofiana591 on 06/06/2013
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.
     
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Allstate Commercials Are Not True to Their Customer Service
Posted by Hamptongregory on 03/07/2013
ATLANTA, GEORGIA -- An Allstate insured customer's car crashed into my garage causing damage to 2 garage doors, main load bearing support and frame. Filing the claim, the Allstate Claim Representative took information pertaining to the accident report file by the Local Police and informed me that I should hear from Allstate within 24 hours. 48 hours (2 days) passed, no contact from Allstate; so I called inquiring as to why I had not be been contacted.

This Allstate Representative was very rude in telling me that I did not submit a claim with a Contractor's estimate. I inform Allstate that in the initial reporting of the claim, I was not informed of the steps that needed to completed in filing the claim, only the Police accident report information was requested from me. I requested to speak to a Manager, but very convenient to/for Allstate, all Managers were in a meeting. I requested for a Manager to call me inference to claim, but no one ever called.

After submitting the Contractor proposal, I received a call from a Becky stating that Allstate was settling at 40% below submitted contract proposal and I could take the settlement and do whatever I please because it was none negotiable. I ALSO ASKED, to have a claim adjustor contact me, and/or the Contractor, but again Becky told me that they would not; true to her word, no Adjustor has contacted me or the Contractor. I'm very taken aback by Allstate response to my claim. Their insured customer's auto damaged my property, but Allstate is treating me as I'm the villain.

With their paid spokesperson and actors/actresses, the commercials may be entertaining, but Allstate true Customer Service and Claims Representatives are very lacking and in a sense MAYHEM!
     
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Posted by Karnamay on 2013-03-08:
I would definitely get a lawyer. When lawyers get involved they change their tune pretty quick.
Posted by trmn8r on 2013-03-08:
I tend to agree with Karnamay - you need assistance of some sort, and it appears a lawyer would be the right kind. Dealing with Allstate yourself, you will not be treated like their insured. You are the enemy in this scenario.
Posted by BigAl on 2013-03-08:
My first reponse would be to sue the person who did the damage to your property. He or she is afterall the responsible person in this instance. AllState is merely the company they have chosen to protect them in these type of incidences. If Allstate policy holders are held accountable for the shortcommings of their protection it will have an adverse effect on their continued loyalty to the company. Allstate could not care less if you are happy but if the people who supply Allstate with premium money are not happy with their coverage then Allstate will be forced to change their business model. Keep in mind that the insured in this case probably thinks it is not his problem when in fact it is.
Posted by madconsumer on 2013-03-08:
contact your homeowners insurance carrier, and have them intervene.
Posted by clutzycook on 2013-03-08:
Mad has the best answer, IMO. If that fails, then get a lawyer.
Posted by MadMom on 2013-04-16:
I agree whole heartedly. My daughter was injured in an auto accident caused by an Allstate policy holder. While they paid for my totaled car (barely),they are being nasty about paying for her injuries. They told my husband, one you're PIP runs out (handled by our insurance (State Farm) - who has been wonderful with every claim we have erver had with them) we're on our own until we "settle" How are we supposed to "settle" before we know what care she is going to need and for how long? She's still in physical therapy and still in pain....

Good Luck! Your NOT in "Good Hands"

Posted by Steve on 2014-04-04:
Same thing...older person drove her car into my garage. I was told adjuster would call within 2 "business days". 4 days later I called. And was told Oh no, we need you to fax your claim, and our adjuster will look at it. Had to file separate claim for car damage. Car side handled rental, repair, and sent a check. All good. But now it's been weeks and can't get response for "diminished value". As to property side, they agreed with repairs to my house, bushes, but zero money for Craftsman tool chest, aluminum ladder, etc. Emailed my own Allstate agent for help.......crickets, crickets. Will end up in small claims court I guess. I will be changing insurance company. I mean, I don't want someone I've caused harm to go through all the work just to make their life whole again.
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They do not pay when you have a loss
Posted by Nomail on 12/04/2012
This Company is the biggest ripoff. They make you pay your premiums but when there is a loss they ignore you and never pay. It took them nearly six months to come up with an amount to compensate me and it was about 10 times smaller than the amount I had in force, from that I paid my attorney 650 dollars and I got about 80 dollars left, the equivalent of the premium I had been paying.
     
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Posted by trmn8r on 2012-12-05:
More details would be really helpful.
Posted by ok4now on 2012-12-05:
You learned a hard expensive lesson. This is why they are called "Allsnakes." They are no longer the good hands people and will screw you to save a buck. Buyer beware.
Posted by luck to be alive on 2013-05-05:
I was rear ended by a lady not looking at the road. She was texting, on the phone,
and/or whereing Raised platform shoes?
I was pushed into traffic going the other way
and rear ended ar 60 mpr and Hit in front
by a car going the other way 50 mph.
The Impact made the car fly backwords
which in turn , my head smashed threw the back window. I was bed ridden for almost 16 months and after 27 months its hard to function/ work. 27 Months later and they still refuse to pay when the Lady stated to the police, Fire and others involved, that she was at fault. What do I/We need to do to make Insurance co, pay fair claims
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Cash Back ???
Posted by Edubenion on 12/04/2012
I have been with Allstate insurance for almost 39 years, I think it is time to quit, I pay as much as any other company and get zero Bennie's, that cash back is a scam I think!! $3.50 if you make installment? jeez, and I always pay more then the minimum!
     
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H.O. Policy, Read The Fine Print. It Could Cost You!!
Posted by Ok4now on 09/25/2012
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!!
     
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Posted by Bill on 2012-09-25:
Good info. I just renewed my HO's with Nationwide.
I'll check the policy declarations again.
Posted by trmn8r on 2012-09-25:
This is something to watch for. Nationwide does it too, I believe. And as this article states, the perecentage may vary depending on your proximity to water: http://www.gazette.net/article/20110902/NEWS/709029933/1045/residents-learn-of-insurance-cyclone-clauses-too-late&template=southernMaryland

Some of these companies were whacked severely by losses, which is why the "tropical cyclone" clauses were instituted. The insurance company's position is: "if you own a home in higher risk area, you have a higher deductible for those risks". It's somewhat logical.
Posted by CowboyFan on 2012-09-25:
Nothing unusual about that. Such policy provisions are pretty standard in Florida. You can reduce the amount of deductible for Hurricane damage by paying a higher premium, or you can continue to remain self insured for the 3%. You still have choices.
Posted by Slimjim on 2012-09-25:
I'm surprised your Policy even covers windstorm. My parents live in FL and everyone I know there has to get separate windstorm insurance, and yes, that deductible is the norm for this type of coverage. Windstorm losses most definitely are a separate animal and are always insured differently.
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Looking for suggestions
Posted by ChuhBaca on 08/31/2012
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.
     
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Posted by msnye on 2012-08-31:
I would suggest immediately contacting your insurance carrier and letting them hash it out with Allstate.
Posted by radar1857 on 2012-08-31:
Number one, you do not split the damage when someone hits you. Call the state insurance division in the state you live in. They will take your complaint and contact the other insurance company for you. Also, why isn't your insurance company doing anything to help?
Posted by ChuhBaca on 2012-08-31:
Our insurance company is not being much help either. They suggested we, talk to a supervisor. I will call them as well, to see if I can't get further action.

Also, radar, at this point it is just one word against another.
Posted by CowboyFan on 2012-08-31:
Did you have collision coverage? If so, your insurance company should fix it, you pay the deductible, then your insurance company goes after them and gets back both the money it spent and your deductible from them.

If not, your insurance company won't be of any help, since you don't have coverage for that. Sue them.

Best advice, take photographs of cars and damages of every accident which happens, before cars are moved, just in case there is a dispute.
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