Allstate Insurance Informative - Thanks for Nothing - Homeowners Policy
A Township vehicle negligently parked on a hill rolled down the street, across three properties and into my yard destroying my pool cabana. The law exempts local governments from liability - they are only obligated to pay your deductible. Allstate refused to send an adjuster to survey the damage, even though my contractor recommended that I take down the rest of the building as quickly as possible for safety and to avoid more damage to my property. Two estimates put the structural damage alone at $14,500 and $14,200 - not including $8000 for contents, fencing and landscaping. Allstate, told me that while my DELUXE policy included outbuildings, they didn't know what a cabana was and would consider it a shed valued at $3500 less depreciation - even though they never visited my property and ignored my two estimates. I finally did what I thought an insurance company was supposed to do. I hired a lawyer and threatened to sue the township for negligence - they are responsible for negligence. The Township settled out of court and I was out $2200 in legal fees, but at least closer to being made whole. The topper came later when Allstate more than doubled my premium and I found out that I was deemed not insurable by two other companies. Never had a claim in 25 years!!!!!!!!!!