Allstate Insurance Complaint - You're Not in Good Hands, Seriously!
My fiancee and I had our auto and home insured through AllState. We never had any problem until the night that I checked my Allstate online account to find out that our homeowner insurance policy didn't show up on the screen. We called and found out that we were terminated a few months before that night because our roof was not in what Allstate considered acceptable shape. We did have an inspection prior to purchasing the home and our home inspector had told us we had 3-5 years before a replacement roof was needed. We expected to need a replacement in the near future, however we weren't expecting to be dropped from our insurance because of this.
We would've appreciated the notice and would have replaced our roof right away because we care about our house and having insurance. The Allstate representative said they notified us and we failed to respond. We immediately searched our Allstate file in the event we mistakenly missed it, but there was nothing there regarding needing a roof replacement.
My fiancee burst into tears when we were told that AllState would absolutely not insure us because of our delinquency to reply to their notice. We explained that we never received such notice as we would have acted on it and did not have any record of it in our files, but Allstate said they did not know that was true because many people choose to go without insurance and we could be those kind of people. We further explained that we would not be calling them to address this issue if were indeed those kind of people, as we wouldn't care to be without insurance, but our call clearly showed our concern. The representative told us there was nothing they could do for us as they would not insure us now that we had chosen to go several months without insurance. We asked to speak to a manager and were told that a manager would tell us the same thing and that it was a waste of our time. We still requested to speak to a manager, against the representative's advice and were told we'd receive a call within 24 hours but we never received a call.
My fiance took the next day off of work so we could work to resolve this problem and get insurance elsewhere since Allstate would not insure us. While she was on the phone with Allstate, trying to find out why we never received these notices, an Allstate representative slipped that they where not sent to the correct address. It turns out the address they sent the letters to was a rental apartment we lived in previously to owning our house. Funny enough, they sent everything else (bills for both auto and homeowner) to our most recent address, so how did everything but these notices make it to the correct address?
When we found out that AllState sent the letter of notice to the wrong address, they told us we were just as liable as AllState for making sure that the mail was sent to the correct address. We were told that we should have checked to make sure they had the corrrect address. We explained that we never thought they had an incorrect address since the address was correct on our online account and all other mail from their company was delivered to our home address. Furthermore, when we set up the insurance we gave the address of the house where we would need to be insured. Allstate refused to admit any responsibility for this and instead blamed us for not checking to make sure they had the correct address. We asked why they didn't contact us by phone or email if we didn't respond to these very important letters but responded to everything else they ever sent us, but were again told the mistake was in our hands.
My fiancee found other companies that would be willing to insure us at a much higher price since we had been without insurance, but only if we could provide documentation on why we were terminated. She contacted Allstate again and was told that such documentation could not be found. The only documents they could find was a letter stating the termination, but not the reason for termination. This made it impossible to get insurance elsewhere. My fiancee tried yet another Allstate representative, this time someone local. At first the AllState agent had basically the same attitude like the woman from the night before, but he did finally agree to reinstate our policy. Nonetheless, he was merciless in stating that we would have to have our roof fixed before our renewal policy, which only gave us 19 days. We got our roof replaced (tear-off and replaced all boards) the next week. We notified the agent right away, but he said it would take at least a couple of weeks before he could get an inspector to come out to check the roof. When asked whether that meant that AllState would terminate our policy again the AllState agent said yes, they would terminate us again, until the inspector came out and checked it.
Enough was enough, as soon as we got the reinstatement letter, we immediately switched to a new insurance company since we would soon be dropped from Allstate once again. In fact, the broker who assisted us in choosing a company represented many different insurance companies but not Allstate, because he said that this sort of incident was typical of Allstate and many people have had problems with them.
We notified our lender about the switch. I cancelled the AllState policies. I thought the story ended. A couple of weeks later, we received an outstanding balance notification that we owed AllState some money. Apparently it was the cost to insure us from the day they terminated our policy until the end of our policy. The charge came up because the reinstatement was dated back to the day they terminated us. Considering how horribly they've been treated us, I asked myself, "would AllState seriously have covered damage on our house that happened during that period of time when we were cancelled?"Yeah, probably not.
I absolutely wanted to have nothing to do with AllState ever again but to campaign about how horrible the company is to everyone we know. I paid the dues anyway and hoped to never hear back from this company ever again. Yes, AllState is that bad and you will not be in good hands with them.