NORTHBROOK, ILLINOIS -- I have filed a complaint with both the Georgia State Insurance Commissioner's office and the American Policy Holder Association making sure that they understand that you have refused to pay based on policy of Pre-loss conditions as well as Ordinance & Law, when presented with proof from Licensed General Contractor/ Public Adjuster, State and Local Building Department Director here in Cobb County as adopted by the Cobb County Board of Commissioners that adopted State code over Municipal Code which took full force and effect in January 2020.
You used the opinion of a Paid Biased Contract Ladder Assist to determine whether coverage should be afforded (adjuster never set foot on the roof) at claim onset, even when presented with evidence of damages by 3 roofing contractors, and PA/ GC and that you are in violation of the GA Fair Settlements Act.
We asked for a copy of the last roof inspectors report but were told that it was "Propriety information" and thus we would not be getting a copy. We were told, when asked however, that the portion that you refuse to pay for that was part of that report, "Was Not Inspected" by your roofing inspector. Think about that for a minute. You refuse to pay for something that wasn't inspected and adopt the position that there is no damage even though your own inspector never laid eyes on it.
Forget the first 2 inspections. They were conducted by folks who couldn't see a 5000 Kelvin bulb if it were turned on right in front of them. Their opinions were biased simply because they were under and remain under contract to Allstate not to me or anyone else who could have approached this with an unbiased eye. I have heard for the last time from my carrier, Allstate Insurance, there are remedies and provisions within the policy to resolve differences that exist on this loss. Really? What are they? Can you point me in a direction that doesn't lead to the court house steps? Seems you have a fiduciary duty to do so if you're remotely serious about making such claims.
One of the titans of Business who passed last week, Jack Welch (past CEO of GE) sums it up best; “What's important at the grocery store is just as important in engines or medical systems. If the customer isn't satisfied, if the stuff is getting stale, if the shelf isn't right, or if the offerings aren't right, it's the same thing. You manage it like a small organization. You don't get hung up on zeros". No animus towards anyone but understand I have been faithful to you for over a decade. I hear “Mayhem” every night tell me I'm In Good Hands. Mayhem has just met Mr. Chaos!
I do not recommend Allstate at all. Been with them 20 years. Don't know why, they have Never paid a claim. I am drawn in by their size and perceived reputation. Last straw. Lightning strike. Lost half my power, appliances and a hole in my wall. They had the nerve to ask me how old the paint on my wall is. They also want me to pay for all inspections and repairs upfront. I have $25 in the bank..
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 mother's 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 because that my policy states that "motorized land vehicles will only be covered if they are used solely 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 residential neighborhood, and the agent advised me that didn't matter as you cannot 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 homeowner's 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 their 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 homeowner's policy, yet I'm the one being punished for someone else's mistake!!
PORTSMOUTH, NEW HAMPSHIRE -- I've had my homeowners insurance with Allstate since 1999. In the winter of 2010 I had ice damage to my roof which caused it to leak. It took MONTHS to get someone here to look at the problem. This young man said most of the damage was "old"... well, yes, yes it was because it took them months to get someone here. Forget that, whatever. I wasn't home the day he came, I was working. My disabled Mother lives with me and was here. She thought he was a nice kid... seemed to be good at checking things out.
Shortly after that I received a letter dated 10-14-11 stating they were going to cancel my homeowner's policy due to "debris" on my porch and I should respond by 1-24-13. I wasn't too worried, this man (I refuse to say gentleman because what I'd like to call him isn't kind) didn't bother to ask what things were... didn't bother to ask why my bicycle is kept on the porch (I've no garage, just trying to keep it a bit out of the weather) or didn't bother to ask why recycle items were on the porch. (I work all week and we don't have pickup, I can only go to The Dump on Saturday). I figured within the next 14 months I'd respond and it would be fine.
Today I receive a letter dated 3-1-12 stating they are going to cancel my policy on 4-23-12... eight MONTHS before I was even required to respond. To say I'm upset about this is putting it mildly. I've my homeowner's ins. (paid until 2013), and 2 cars with Allstate. I've never had an accident. Now some kid comes to my home months after I requested someone and does something like this without asking me, the homeowner, any questions. Please make note I listed Portsmouth, NH because my agent is there (who I've always thought was wonderful) but I live in Kittery, ME.
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 their 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. I'm sure at this time I will.
GREENVILLE, OHIO -- Living room ceiling fell in while family (two young children) in family room. Explosive, dust throughout the house. Rafters to room exposed, drywall and insulation 3'-5' deep in the room dust and debris flying throughout house. Evacuated family and called Allstate 800- 24 hour claim number. They said a contractor would be sent out in the morning and someone would call that night. No one called. No one showed up.
Called Allstate back at noon, contractor showed up at 2 pm. No claims adjuster? Contractor asked what the problem was, said Allstate said there had been a fire and he was a fire specialist? When he opened the front door to the living room he said, "Oh my God! What happened here? This is dangerous. Don't move back in." He said the weight of the ceiling would have killed anyone in the room. He said he'd call Allstate and let them know cleanup was necessary before we could get back into the house.
Allstate called and said the claim was denied. When asked why? The girl laughed... when told this was not funny as we could have been killed (the babies bassinet was buried in drywall). She said "oh, well I just wanted to tell you why it was denied". So, homeless for now, 2 days lost work, we're bagging up insulation, stacking up broken bits of drywall trying to get back into what's left of our house... No thanks to Allstate, no service, no concern, no empathy -- but don't be late on your premiums.
TEXAS -- I am a customer of a homeowner policy from Allstate. Unfortunately, I was hit by Hurricane Harvey and my roof was totaled. Allstate personnel had led me to believe that my roof would be covered in such an event. Instead, my policy was based on a cash value premise, meaning that my roof was considered older and only worth 40 cents on the dollars. Combined with my deductible, Allstate basically did not pay but only a few hundred dollars on my new $10,000 roof.
Basically, Allstate sells inferior insurance policies which have coverage gaps that you can drive a truck through. I spoke with 1/2 dozen Allstaters up the chain of command. All I heard was how sorry they were. That did not pay the bill. So much for the "good hands people". When you see these guys coming for you with their good hands, hide your wallets. I WILL NEVER DO BUSINESS WITH THEM AGAIN. I WOULD GIVE THEM ZERO STARS IF I COULD. Buyer Beware.
HENDERSON, NEVADA -- After a micro-storm hit Henderson in July, this insurance company took six long months to repair the damage and all was not repaired. It was a nightmare dealing with the claims department and the adjusters and even had to request a new adjuster to get anything done.
27 light poles were knocked down and we had no electricity for four days. A large tree located in a neighbors yard knocked down our block wall, the roof was so bad that when it was touched it fell apart and the neighbors tin shed blew into our back yard. A palo verde tree was uprooted in our front yard as was a pine tree in our back yard. They did not cover either tree. I would not recommend this company to anyone. You are not in good hands with Allstate.
SEATTLE -- I am writing my review due to getting a call from our Mortgage Company per their annual audit, telling us that we had to either drop Allstate and come up with another insurance company for our home or they would find one for us! I went into our Mortgage company with all my paper work saying why is this so and what is going on. She was very nice and contacted Allstate for me and the gal at Allstate said they do not insure "Post and Pier" homes, and if something were to go wrong they would not pay for any loss to our home no matter what our agent said.
The reason this came about is because the Allstate agent lied and said our house isn't part POST and PIER. I asked the gal, "Wait a minute what are you doing?" She said "don't worry about it" which it is a lie in the end, because when we bought our house only a few companies will insure this style of home in our state.
I'm pretty peeved because our Allstate clearly said they don't insure Post and Pier when our agent said they did. I feel like we wasted money on nothing. I have complaint to our states insurance commissioner about this. People wonder why nobody trust insurance companies. This is why they lie and lie some more just to get your money.
We are back with our old homeowners insurance company and I'm very happy to say it may cost more, at least my husband and I both know we are "GOOD HANDS" with whom we have. Word to the wise, always double check facts on who and what, when it comes to homeowners.
DENVER, COLORADO -- I received a solicitation letter in the mail inviting me to contact them for a quote. The letter was addressed to me at my current address and contained accurate information about my home. The letter also had a breakdown of coverages that was close to matching my current coverage.
I spoke to the sale manager and she emailed me a quote for coverage. It was over 300% higher than the original letter I received and $600.00/year higher than my current coverage. When I called her back, she was unable to explain why the quote was 300% higher than the original letter I received. I feel that this company is engaging in a program of misrepresentation by sending unrealistic solicitations.