Allstate Insurance Review

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3. Peter Kosanovich says

   September 6, 2018 at 3:30 pm

   If you want a good insurance company DON’T use Allstate. I have been with them 30 years and have done nothing but raise my auto rates beyond all of their competitors. Their excuse was to say the state approves the pricing so they have no control over the cost. I say it’s greed and just servicing CEO’s and shareholders and damn the customer. The agent was no help and customer service was full of excuses. They were charging me a higher rate on a 2007 Mustang then I was paying on a new 2018 Explorer. The excuse was the cost of parts and accident data. They need to find a data company that the rest of them use. Boat insurance was higher and home insurance was so-so compared to others. Customer loyalty is not of any interest to Allstate so steer clear. Saving over $700 going to another insurer.

   Reply

   • Nicholas Corbi says

     January 26, 2019 at 5:52 am

     Peter: You are absolutely correct. Allstate is interested in their bottom dollar, not their clients! As a former agent for Allstate, spending 35 years with this company, I can tell you they have no interest in their clients except for their premium dollars. And, watch out for their homeowners policies. The depreciate roofs. I bet their agents won’t tell you that in the sales process! If they did they would never get a sale! And, the only way Agents can get a viable Homeowner sale is to package it with an auto insurance sale. Stand-alone Homeowner policies from Allstate are not only very expensive but not as good as those from other companies. Why would anyone buy a policy where your roof is depreciated? Allstate agents were employees up until June 2000. At that point, they fired every agent (except New Jersey Agents) and forced them to become Independent Captive Agents. It was a sham and designed to take benefits away and transfer the office expenses to agents. Additionally, agents were given “quotas” or production goals, which, if they did not meet they would be “fired” or have their contracts terminated. The contract issue is a totally different story. It a one-sided contract, where Allstate can modify or change it at will, and they do. Agents are helpless and forced to sell products which may not be the most competitive or the best, for their clients ( just look at their Homeowner product). The agents also have Life Insurance and Financial Product “Quotas”. If they fail to meet this Life Production Goals, they lose any possibility of a bonus, get reduced commissions on Property and casualty products (auto and homeowners) by 10%, and can be terminated. The agents are boxed into a contract where they were promised they could pass their business down to anyone the wished. WRONG!!! The company needs to approve the sales and in many cases they won’t approve, forcing agents to take a minimal “Termination Payment”. So, if an Agent gets terminated, they get a 90-day termination notice and need to find a buyer within 90 days. That is very difficult. And the poor unsuspecting new buyers are just buying a job they can be terminated from. It’s a bad deal all around making for a very unhappy agency force. The first thing I did when I left was to change my insurance to another company. I was paying approximately $4000 per year for my two cars. My new company charged me $1800 per year and the coverage was better. Yes, I was a dumb ass for my allegiance to this company and should have moved my policies many years ago.

     Reply

4. Rick says

   April 9, 2018 at 8:23 am

   I was a 10-year customer with Allstate Texas Lloyds company. I never had an accident, I just paid my monthly bill every month. I bought a new car and thought my insurance company would handle it efficiently. I was wrong. Allstate price gouged me and when I saw the quote called and canceled immediately. Weeks later I received a collection notice in the mail saying I owe them. Just WoW! I will tell all that will listen to not use this insurance company.

   Reply

5. Torie says

   February 15, 2018 at 5:38 am

   You’re Not in Good Hands With Allstate
   Be advised that the reward you receive for continued insured service from 1973 till today from Allstate is going back on their word, attempts to find ways to weasle out of providing coverage you pay for, and harassing their customers with incessant calls about what they won’t cover that you paid for. A recent tragedy occurred when a relative of mines in her 80s who cares for her sick husband and watches her great grandchild occurred when a fire broke loose in her a/c unit. Praise God she was having it serviced when this occurred which truly prevented this devastating event from becoming a fatality. Her apparent only mistake was believing she was in good hands with Allstate. Her adjuster [Redacted] stated initially they would cover the cost of replacing the unit, then the next day stated it wasn’t covered with various different reasons given, none of which made sense. An obvious excuse given to get out of covering a service that their customer has been paying for. If this wasn’t insult enough the insured customer had housing coverage for a year. Well, they legally have housed their two grandchildren who are in college and again as the only caregiver for her husband she elected to stay next door with her son which required the use of 3 bedrooms, and rather then pay for her stay there which accommodated way more services then a hotel 5 miles away at a decent rate. They were willing to pay $119 per night per room at a hotel in Ruston, but only wanted to pay $50 a night to stay closer to the resident which made it actually more convenient for them. Beware if you are in your golden years and face a problem in your domicile that with Allstate you may find yourself re-entering the war zone. This done inspite of the fact that she has two sons who have been faithful customers of Allstate, needless to say that is being rethought. Needless to say you’re in questionable hands with Allstate

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6. Diana says

   January 24, 2018 at 9:27 am

   Allstate has by far been the worst company I have ever had to deal with. They lie to their customers when you begin your policy, then after a month of being with the company they raise your rates and tell you how underwriting changed things on your account without your permission. They have approached this misconduct, misrepresentation and false advertisement as an “oh well” situation. It’s been a month of trying to contact several people to get my issue resolved, but no one at the company wants to be bothered, no one calls you back, no one is ever at their desk to answer phone calls. And when you do get someone on the phone they rush you off and just want your money. It’s a disgrace how no one can take responsibility for their [redacted] up, and no one wants to address issues or correct them. How hard is it to answer a customer, or pick up a phone? Is this company so busy with complaints of unsatisfied customers that your too busy to address additional issues? This company has been nothing but [redacted] and lies. I hope this review warns other potential customers away from the hassles that I have been going through since the beginning of December, I have spoken to a [Redacted] who doesn’t want to be bothered and prefers to send you to other peoples voicemails instead of doing her job, a [Redacted] who was completely rude and dismissive, an [Redacted] who has no idea how to do her job or what is going on, a [Redacted] who lied saying my issue was resolved without even talking to me, how can an issue be resolved if you have no contact with the customer to resolve your issue, this company is in breach of my contract, we agreed on a policy and then they decided that they can change it at will after a month into it and you will have to just deal with it, and they have discriminated against non married couples. Plus the CEO Thomas J Wilson, doesn’t have a phone, or any way to contact him to let him know what is going on in this company, or to the board of directors. This company seems like a scam.

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7. Terry Bartholomew says

   November 20, 2017 at 10:00 am

   I recently made a claim on my Allstate Auto Insurance policy. In the past ,they have been fine but this time they were a pain in the butt. They force you to use their “Quick Claim” process which is anything but quick and ceratinly not easy. It took days for them to finally process the “Quick” claim which was not accurate after sending them 10 photos and finally figuring out their process I ahd to wait two days after filing the claim, to enter their “Quick Claim” process.. When they finally decided to pay the claim, they asked to use direct deposit because it would be “quicker”. I got an email two days later saying they deposited the money and now after four days, my bank still has no record of the deposit. When I called Allstate, they said I should wait a couple more days and if it doesn’t show up, I should call them. How is this anyones idea of “Quick”?

   Reply

8. V says

   November 13, 2017 at 1:00 pm

   1 out of 10 stars – at least in terms of potential clients. I called Allstate to get a quote on a home I purchased for cash since I was told by others that I was paying with another insurance company and was advised to contact [Redacted] directly. I was redirected to [Redacted] and we had a good conversation. Afterward, he sent me an email with 3 quotes depending on deductible and as a response, I stated that I didn’t have an interest in proceeding with Allstate because my quotes rates were LITERALLY TWICE as high as the prior owner and then [Redacted] stated the following “do not appreciate your insulting of [Redacted]” – in other words, provided a false accusation. I had a good conversation with [Redacted] and was never insulting, I simply questioned why my quotes rates were literally twice as high as the prior owner. Either way, I don’t appreciate insurance companies treating their potential clients this way and literally providing false witnessing.

   Reply

9. Bill Beach says

   November 13, 2017 at 10:35 am

   We’ve been with Allstate for almost 20 years and have been happy, but only because we didn’t need anything from them. Once we needed anything, it became very obvious that they just do not care about their customers or customer service.

   This all started after an auto accident when the police officer taking the report recommended that we call our agent the next day. We did as the officer suggested. As soon as we reached someone, her first and only question was “was it your fault or the other driver’s?” No “oh sorry, is everyone ok?” No ” is anyone hurt?” No “I hope you’re all ok, is there anything we can do to help?” Upon telling her that it was the other driver’s fault we heard, in a very relieved tone, “then you need to call their insurance, not us.” When we said that the officer had said we should call our agent we got a curt “no you need to call their insurance.” (On an unrelated note, Nationwide was very helpful and seemed very concerned with getting everything and everyone back to normal)

   We’ve since change insurance companies (Thanks USAA for the great rates and customer service to veterans!) for auto insurance but stayed with Allstate for homeowner’s insurance.

   Just a few months later, there was a series of very bad hailstorms in the area damaging most of the roofs in the neighborhood. We had a roofing company inspect our roof. We were told that it looked like there was damage and they suggested that we call our insurance company to get an adjuster and file a claim. When they learned that we were with Allstate, they essentially said “oh, well you can still call them but they’ll probably deny it… you really should have been with another insurer.” Another roofing company said pretty much the same thing.

   We had an adjuster come out to inspect the roof. We were relieved to hear that not only was there no damage but that our roof was “in great shape.”

   With our roof in “great shape” we were a bit surprised just a few months later when water was dripping from our now sagging garage ceiling during a heavy rain. After getting access to the attic area where we thought it might be coming from, we see evidence that it had probably been leaking for a few months but only enough to cause interior damage when the rain was very heavy. We worked with three different roofing companies who all agreed that it at least needed extensive repairs or replacement.

   So, we arranged for another adjuster to come out and re-inspect the roof. Frankly, throughout the entire process he acted rather aloof and like this was very much an inconvenience for him, even acting put out when we didn’t want to reschedule the original appointment time to better fit his schedule.

   Sure enough, the second adjuster found that there was no damage and that nothing would be covered. Not even the interior damage that happened after the first adjuster said the roof was in “great shape.” Instead, the leak was due to the shingles being improperly nailed when the house was built. Apparently the first adjuster completely failed to notice the “nailing issue” or we could have at least gotten it fixed before the ceiling in the garage was damaged. It’s also quite the coincidence that the poor shingle nailing waited 20 years before suddenly manifesting itself at just about the same time that most houses in the neighborhood had their roofs damaged by severe storms.

   I tried to call our agent to let them know how frustrated and disappointed we were but didn’t even have the option to leave a voicemail. I’ve had a few calls with Allstate since, just to express my disappointment with the level of concern for their customers and customer service. I really don’t expect them to do anything, but I do want them to know how upsetting their indifference is.

   As I said, my expectations are low. The next person form Allstate we deal with could just come to the house, kick our dog, belch, and leave without saying a word and we wouldn’t be surprised.

   “You’re in good hands” is a great marketing slogan but based on our experience, if Allstate wants to be truthful they should just change the slogan to “meh.” Oh, and yes, we were hurt in that auto accident but we’re ok now. Nationwide took care of it.

   Reply

10. Tushar says

    September 4, 2017 at 1:16 pm

    I aspire to discourage anyone from ever using Allstate because their ins.company, they
    Discriminate, they’re liars, they’re phoneys, they do not care about individuals, whatsoever, I have read each of these reviews here, and I had been done dirty also.
    It will not matter for me to list all the details ,none of us will choose the time, to do this here if we were not all burnt by Allstate. Please do not proceed with them, all these reviews are from those who’ve been hurt by Allstate and those are those who care for you. Reading this, we do not need others to be hurt by them.
    Respect and Trust are a gift, Allstate will not ever make my confidence again, they all deserve to get their ins.

    Reply

11. Sara Chan says

    March 20, 2017 at 12:12 pm

    If you believe “you’re in good hands with Allstate,” I have a bridge I want to sell to you. My brother had an automobile that had the unfortunate luck to be hit by a vehicle insured by Allstate. The operator of the other vehicle was ticketed and my brother’s was totaled. Allstate sent an adjuster to check the vehicle and his paperwork was sent to their main office. We were contacted and offered X-amount of money. My brother protested, as he had already checked the figures for what his vehicle was worth (make, model, year, condition, mileage, etc.). The Allstate offer was considerably less than resale price. When he protested, the agent said Allstate only used wholesale prices in honoring payments. After much discussion and the agent bluntly stating they would not negotiate, he finally ended the conversation before he said something he regretted. Anyone thinking of using Allstate had better rethink things and, if you still decide to go with them, bake some cookies for Santa Claus.

    Reply

12. Roy Shepherd says

    March 3, 2017 at 1:56 pm

    Allstate claimed that I was at fault in an accident that a judge in city court in Chattanooga, TN dismissed the case based on photos and illustrations I had of the accident. This same evidence was presented to Allstate and they ignored it. Instead, they took the word of the other driver, who gave false information on his written statement, thereby resulting in an inaccurate police report. I called the Nashville Allstate office that handled the claim but they weren’t interested in considering any possibility that they had made a wrong decision. Now I’m out the $1000 deductible and I have a collision claim on my driving record which has been clean for over 50 years.

    Reply

13. Gonzalo Smith says

    January 10, 2017 at 4:57 pm

    worse insurance i had, hard to get in-reach with them, many mistakes were made not willing to fix

    Reply

14. Lorraine Oreilly says

    August 24, 2016 at 2:32 pm

    My husband and I currently have insurance with Allstate (garbage insurance company and should be investigated). We left our old insurance company to save money and we did, but, however; when we needed to use them for the damage to our kitchen floor, we were told that we are not covered. [Redacted]!!! (and I don’t mean Wednesday, Thursday or Friday). When our home was structured in 07 the contractors must have used copper pipes, now it’s 2016 and the kitchen floor has black stains on it about 1 foot wide and 4 feet long. The floor has soften in that area, we called them to send out a rep to look at it, we were told in 3 three business days they would send someone out. Three days passed and we are still waiting on someone to come out. Today we went to a local Allstate agency and showed pictures of the damage. They made a phone call to an adjuster, we talked to him and he was very RUDE. He informed us that they don’t deal with water damage or anything dealing with mold. [Redacted]!!!! What is the purpose of having home insurance, if when its time to use it, you are not covered? I came home, reviewed the policy, nowhere did it say we were not covered with this water damage. The only thing it stated was and I quote: “Did you know you do not have water back-up coverage? Water back-up coverage may provide protection for a covered loss when; Water or any other substance backs up through sewers or drains; or water or any other substance overflows from a sump pump, sump pump well or other system designed for the removal of subsurface water which is drained from a foundation area of a structure”. Well, this is NOT the case with us. This water is NOT from a backed up sewage system, drain, or sump pump well. I will be contacting the News to put ALLSTATE on blast and to show others that you are not in good hands with them.

    Reply

15. Jarda says

    August 21, 2016 at 7:05 am

    Bunch of liars tell you one thing and do another. I switched from Geico and they gave me a rate of $74, within of two months raise to $84 told me that they messed up and gave me one extra discount and they’re taking it back of. Four months later raised it to $94 without even telling me and when I called them they said oh they raised our premiums but we did tell you……… No they never did tell me just raised it!!!
    Well now I am at 11 months Mark and it went up to $104, so in less than a year they raised my premium $30 and guess what this last time never even told me never sent no emails didn’t say anything I just looked at my bill and it was $104.
    I guess I had enough looking for new insurance, I do not like people lying to you straight in your face say they were going to do something and turn around and do something different…..STRAIGHT UP LIARS!!!

    Reply

16. Glenn says

    June 24, 2016 at 3:17 pm

    I agree just dropped them very unprofessional rude. Ask questions they redirect me to corporate or billing… thought was all one company couldn’t answer simple questions or put the blame on me what happened to customer service.

    Reply

17. Rock says

    June 20, 2016 at 9:57 am

    I completly agree with all negative comments…i had the for awhile they were great at first. My home was broken into in the first 2 days of a remodle and everything was taken. I was told it would replace only $500 dollars so i figured not really worth it cause it would raise my rate. Eventually got contacted by the “agent” quotes because she doesnt care it was the assistante that called and could do something and not raise the rates so i said alright lets do that. I recived a check of about 1750, not even half value but ok. The part that is in question is my rates more than doubled…sorry me paid them for three years…..after the third i received my escrow info and allstate had billed me $2500 even after doubling it it was $1500. So i called and called all i got is that what was billed, so wrong, not even worth a piss in a bucket, but eventually they said well we can drop you payment to $700…wait im talking about the year before…eventually just moved on…everything sucks, customer service them finding anything that they sent to resemble my premium even though i had 2 different statements that year..good hands my ass…even after they cut it went with a better carrier and for half of their price after the readjustment…BTW that raised the mortgage almost double just from their antics.

    Reply

18. Judy says

    May 31, 2016 at 12:59 pm

    I hope to discourage anyone from ever using Allstate as their ins.company,they
    Discriminate,they are liars,they are phoneys,they don’t care about people,at all,I have read all these reviews here, and I was done dirty as well.
    It doesn’t matter for me to list all the details ,none of us would take the time,to do this,here,if we weren’t all burnt by Allstate,Please don’t go with them,all these reviews,are from people who have been hurt by Allstate,and these are the people that care about you ,reading this,we don’t want others to be hurt by them.
    Respect and Trust,are a gift,Allstate will never evet,earn my trust again,they deserve to have their ins. Companies close down.

    Reply

19. julie moskal says

    May 2, 2016 at 6:39 pm

    I have recently review my agent [Redacted] .I am sorry to say I wasn’t fair they are very hard working agents ,who keep me up dated and my best interest at hand. I have a bad day and the survey was a wrong choice to vent on. I would recommend and have recommend to others. I give them a ten in service and concern. I have been with your company since 1971 and no desire to change. Thank you.

    Reply

20. Corey Hartson says

    October 28, 2015 at 7:37 pm

    WARNING!!!! You are NOT in good hands with Allstate. I have had Allstate for a little over 3 years. I have never been so insulted by the lack of professionalism and the ignorance portrayed by a recent claim representative. I will summarize my experience and do my best to leave out any biased information. I will give it to you straight. I was involved in a motor vehicle accident last month. I called up to report the claim as required. The claim representative that was in charge of my claim took my recorded statement where I informed him of all the details I could recall of the incident at hand. After the recording was off, he immediately made the assumption that I was at fault. This was before reading the other drivers statement, receiving the police report, or having any other resources to make an accurate assessment. The truthfully informed both the officer at the scene and the claim representative that I had a very vague recollection of the facts. I was on the interstate for approximately 2 miles, driving in control of my vehicle, and noted that there were NO cars within a 1/4 mile vicinity. I attempted to change lanes as I approached the upcoming exit in a 1/2 mile. I looked in my side mirror, and checked my blind spot, put my directional on. As I shifted approximately 3 inches to the left (still in my lane to my recollection) I felt impact to the passenger side rear of my vehicle, I was then spun sideways where the other vehicle struck my passenger door. Upon the arrival of the state police, the other driver hollered and was uncontrollably insisting that “I intentionally ran him off the road due to road rage”. This was completely inaccurate and couldn’t be farther from the truth. I refuted and let the officer handle the scene. Once I gathered all that I could recall, it was apparent that the other vehicle attempted to pass me on the right, was speeding, and impacted my vehicle. Once I received the accident report it was apparent why this driver was accusing me. The operator was 18 years old and driving his parents sports car, thus causing the accident. I am 35 years old, married to a beautiful wife, with a perfect 5 year old at home. My car was less than 4 months new. There is no possible logic as to why I would intentionally damage my vehicle and jeopardize my life and another persons well being. I tried to leave the age discrimination out of the scenario, but when I am falsely accused of a wrongdoing, I can only speak the truth. I escalated the claim to a manager and again stated my side of the incident. The “at fault” was determined before the police report was even submitted and I was found liable. There was no effort on the part of the claims representative to argue on his client (myself) behalf. The claims rep didn’t even know what the state laws were. Never in my life have I been so insulted, frustrated, or place in an uncomfortable position. This is unacceptable and I will be switching to another insurance company for my homeowners, auto, and recreational vehicle policies. To add to the matter, the adjuster tried to short me on the repairs to my brand new vehicle, they attempted to have the autobody cut corners to keep cost down and wrote the check out for the wrong amount. This company is NOT there for their clients and I will NEVER be associated with this dishonest and uneducated company. I highly recommend staying away from Allstate for all your insurance needs.

    Reply

    • charrla says

      February 27, 2016 at 5:04 pm

      My experience with Allstate is terrible I had an agent [Redacted] she is very unpleasant and rude and can be unprofessional…I dont recommend them at all search around to see if u can find cheaper insurance……

      Reply

21. David says

    June 17, 2015 at 10:01 pm

    I’ve had Allstate home and auto coverage for 25+ years. Have had a few claims on both. Car accident claims, both at fault and not, were handled quickly, professionally, and paid fairly. Home claims were handled quickly and fairly as well. Most recently we had hail damage to the roof from a storm. Allstate adjuster came out, inspected, estimated the repairs, and printed a check for the full amount (less deductable) on the spot.
    Overall, they’re not the cheapest, but my experience with their customer service has been excellent.

    Reply

22. A.L says

    June 17, 2015 at 11:33 am

    If you are looking for an insurance company that is out of reality, then choose “ALLSTATE”. I had 2 cars insured with them, then when they started offering home insurance in the State of Massachusetts this year I transferred my home policy with them. Just to add to my surprise, I received a letter from indicating they’ve cancelled the home policy without a notice because there’s some peeling paint in the back of the house that was caused by the zillion storms we had this past winter, and therefore; they couldn’t insure my house.

    What?? yes, that is exactly what I said. I called their agent in Quincy, MA who by the way never answers neither emails or calls ( NEVER) and left him several VMs to tell him (which he should already know) that we’ve several snow storms, I can paint the house if they could give me an extension of 2 months or something until I can come up with the money, but the answer ( through his admin) was a big fat NO. They wanted however, keep my auto policies active because my wife and I have a perfect driving record and only use both cars on Weekends, but, in my turn I had to say NO [Redacted} way. Both the cars and house come as a one package, you cancel one, better off cancel both.
    To my surprise again, when I transferred everything to a different carrier, I save more than 35% in premiums for the same exact coverage.

    I think it was all in good faith and was meant to be****Thank God***.
    DO NOT CHOOSE them, you may be in good hands as they say for twice as much.

    Reply

23. Marie Christopher says

    February 23, 2015 at 2:03 pm

    YOU ARE NOT IN GOOD HAND WITH ALLSTATE!!!! When you have a claim they will not take responsibility for the damages. Their adjusters are completely incompetent and out of touch with the cost of repairing damages. Having Allstate home insurance is like not having any insurance. All they know is how to collect the money. If you have a claim THEY WILL NOT COVER DAMAGES. They did not even have the professional courtesy to send an adjuster to see that damages first hand.

    My mother is 92 years old and a heart patient. She cannot go up the stairs and she uses a walker. We have been without bathroom facilities on the first floor for five weeks. Allstate denied my request to send an adjuster down when these damages first occurred. The adjuster tried to minimize the damages. The amount of money Allstate is willing to give does not cover the cost of replacing the damaged items, not to mention the cost of labor.

    Reply

    • Diane says

      February 24, 2015 at 2:45 am

      BEWARE: ALLSTATE INSURANCE COMPANY COMPLETE RIP OFF ARTISTS. THE GOVERNMENT SHOULD INVESTIGATE THAT COMPANY AND CLOSE THEM DOWN. THEY ARE SCAM ARTISTS! DON’T DO BUSINESS WITH THEM BECAUSE IF YOU THINK THAT YOUR LIFE, AUTO, AND HOME ARE PRPTECTED, YOU ARE DELUSIONAL! WHEN SOMETHING HAPPENS, THEY WILL NOT TAKE RESPONSIBILITY! IF YOU HAVE ALLSTATE INSURANCE FOR ANYTHING, YOU REALLY NEED TO FIND A DIFFERENT INSURANCE COMPANY BEFORE, GOD FORBID, YOU NEED TO FILE A CLAIM.
      TERRIBLE COMPANY TO DO BUSINESS!!!

      Reply

24. Rebecca says

    January 23, 2015 at 6:55 pm

    I’m currently researching changing my auto policy to allstate and came across this review and the comments. While I’ve not decided on the change to auto policy yet, I felt compelled to provide our POSITIVE experience with an Allstate home insurance claim.

    Our home was damaged by hail in October, 2010, but the damage was not all immediately visible and was presumed by us to be minor and not worth contacting the insurance company about. By the time the damage became much more obvious (gradual loss of paint on patio cover at only the locations of hail “dings” that couldn’t even been seen until the paint flecked off, loss of paint on the gable ends at the location of dings that then accelerated until most of the gable was bare, and other such), we assumed it was too late to make a claim, more than two years having passed. Then in September 2014 we had wind damage to the roof and made a claim. The adjuster came out promptly, noted the hail damage and said it would be more cost-efficient for us to file a claim for the older hail damage – that way, not only would the roof be repaired, but also the hail damage to the patio covers and fascia. The only thing he did NOT approve for coverage was damage to the wooden gables because, due to the amount of time that had passed, he said he was unable to tell if the damage was from the hail. He said we would be sent a check for the depreciated cost of the property damaged and, should we choose to have the repairs made, we would then be reimbursed for the repairs up to very reasonable approved amount. Upon calling in to Allstate to check one item, we were told the only caveat regarding reimbursement up to the approved amount was that we had to have the repairs made within six months of initiating the claim.

    We had the depreciated value check in a week. Within the next couple of weeks, a team from Allstate came out to review the adjusters work – and approved MORE items for reimbursement (the aforementioned gables, for one) and sent us another check. Using that money to make the down payment for contractors repairs, we had the roof and all remaining damage fixed, faxed Allstate the final receipts and received the rest of reimbursement within less than a week. They covered absolutely every bit of the cost of repair minus improvements (not repair of hail damage) that we had long been desiring and had the contractor make at the same time.

    So, in summary – 1. they were prompt; 2. they did not try to avoid paying anything and actually saved us money by advising us to make the claim for the older hail damage; 3. they explained up front that the only way to recoup replacement costs was to actually do the replacement; and 4. they explained shortly thereafter the timeline for doing the replacement.

    We were thoroughly pleased, which is the reason we are now researching moving our auto insurance to them as well.

    Reply

25. fred mark says

    October 22, 2014 at 10:41 am

    After 20 years with Allstate with no claims, currently 2 houses and 3 cars, Allstate is treating me like garbage.
    I just got hit by a hit-and-run driver leaving $3700 worth of damages and Allstate will pay only 2,900 which is below $3800 on the car cash value. I’m paying full coverage premium, Allstate won’t pay for the collision repair.

    DO NOT TRUST ALLSTATE. They will screw you over whenever they can.

    Reply

26. christian says

    January 14, 2014 at 9:23 pm

    I’m sorry to say that I believe this review to be skewed – Allstate frequently has secret new policies they do not inform their policyholders about until the policy holder has a problem and requires the help from Allstate. Claims are fought against the policyholder, and the value of a claim to be paid is 50-90 LOSS to the policyholder. Try repairing roof damage or replacing windows at the cost of Allstate’s low-balling adjusters. It truly is pathetic for an insurance company to rake in the millions from policyholders but deny them coverage when they truly need to file a claim against damage. Hail coverage, wind coverage, tornado coverage, all the acts of nature/God/whatever that the policyholder has no control over, Allstate refuses to pay. Apparently, Allstate doesn’t feel that extensive storm damage to a ROOF and WINDOWS demands a fair adjustment. It would have cost us triple the amount to repair damage, and Allstate gave us 1/4 needed to repair. Thanks, Allstate, for requiring high premiums but refusing to pay when your policyholders need you most. Oh, and don’t even think about claiming more than twice in a 10 year period, you’ll be cancelled just for asking about a claim.

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    • Margie says

      June 21, 2014 at 10:38 am

      My family had a tragic complete loss home fire. The money for the house itself was sent right away as soon as Allstate saw us under contract to rebuild. The contents were a different story. They sent an adjuster out. My mom was the only person present while he came because I had to work. My mom could not remember everything that was in the home and had asked the adjuster if he could come back when I could be present. He agreed. My mom kept calling to try and make another appointment . After leaving several messages the adjuster finally called back and told us he would send a copy of the content list that he and my mom had filled out and I could fill out the rest. I did. Of course after you send the list you remember other items that you forgot to add. They sent a check for some of the items. We bought just what we needed. Shopping for your entire life of items is a very daunting job. Come to find out we were suppose to purchase everything then they would give us the full value of our items. Because the check they sent was a depreciated value for the item. It didn’t even matter if it were only a month or a few months old. We were told we were out of time to submit receipts. Spoke with a supervisor told her what happened. That we were never told about the “policy” that yo have to buy it to get paid for it. They gave us a month to re buy 80,000 thousand dollars worth of items. Needless to so, that is impossible. So we were told that there was nothing that can be done. The case was closed and here we sit saddened by the loss photos of children, memories of family vacations, jewelry that was passed down and loved. And two wonderful pets that can never, ever be replaced. Allstate claims that they are there when you need them most. Hmm. I feel like we were kicked to the curb.

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