Allstate Insurance - No Coverage Now That I Need it.They Told Me I Didn't Need It When I Bought the House
Home Insurance - Complaint
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.