Allstate Insurance Company - You Are NOT in Good Hands With Allstate!!!
Homeowner's Insurance ~ Claim Department - Complaint
ARKANSAS -- On 6/23/13 my husband and I returned home to find that our lawn mower & trailer had been stolen from our front yard. We contacted the local authorities and filed a claim with our homeowners insurance. The value of the property taken was $3200. It took over a week to finally get in touch with the Allstate Claim adjuster assigned to our case. We conducted our interview, and was advised they would contact us back that day with the settlement.
When we heard back from them, we were told that we would be receiving $328.11 (after our $1000 deductible) for the trailer, and that the lawn mower would not be covered because I used it to mow my vacant lot, and my 67 year old widowed/disabled mothers yard (land I will inherit upon her death). I contacted my insurance agent, and he advised that the lawn mower should be covered, and contacted the adjuster himself. His response back to me was that he had gone "round and round" with the adjuster only to get the same response I was already given.
I appealed and was told by the Allstate Claims management department that due to the fact that my policy states that "motorized land vehicles will only be covered if they are used soly for the premises". I told him that upon signing my policy with my agent, when ask if I owned any other premises, I advised I owned a piece of land in a residental neighborhood, and the agent advised me that didn't matter as you can not insure land with no dwelling on it, the premises in question was referring to any other dwelling.
I advised I did not own any other homes. He chose the policy, and wrote the coverage. I am just NOW learning that there are apparently different types of homeowners policies. The Allstate Claims management team very rudely advised they would do nothing further to help me with this situation, and that I could contact the Department of Insurance or anyone I chose to, but the case was closed on their end.
I did take there advice and contacted the Department of Insurance, as well as Better Business Bureau advising that Allstate's advertisement of "being in good hands" is false. I am in no better hands than the thief that came and took our property. The only difference is that I paid Allstate to rob me, making me feel even more violated. I would NOT recommend this company as they do not stand behind their advertisement claims, and they have been very unwilling to help me rectify this situation. Let me also say that I have never received a copy of my homeowners policy, yet I'm the one being punished for someone elses mistake!!