Joseph's complaint:
November 20, 2012

Insurance Company: Allstate
Coverage Type: Homeowners Insurance

• PolicyHolder Service - Abusive Service
• PolicyHolder Service - Inadequate Reimbursement
• Claim Handling - Unsatisfactory Settlement/Offer
• Marketing & Sales - Misleading Advertising
• Marketing & Sales - Misrepresentation
• General - I feel abused by this company

After over 30 years combined coverage for auto and home owners and other insurance, I was put into an unfair situation and rendered an unfair settlement by an insurance company that advertises it places it customers “in good hands”. My home sustained hale damage in a storm. It was in a condo development where about 14 other homes faced similar damage. All l4 other owner received settlements from their insurance companies that lead to a roof replacement. The roof replacement was because the shingles required for repair the roof were no longer manufactured. Apparently all owners had a policy that required matching shingles. I was told by Allstate that my policy also required matching shingles but since my roof had a few unmatched shingles installed form previous damage, they did not need to replace my roof. Instead they sent me a check for less than $100 claiming that the cost of repair would be less than $600 to repair. Since the shingles could not be matched then technically the roof could not be repaired properly.

The Condo Association has by-laws that prohibit me from having a roof where the shingles don’t match. When talking with the claim adjuster I was informed because of this technicality (having a few unmatched shingles previously replaced) they could not help me and that the rules of the condo association would have no bearing on their decision. In addition, since my insurance policy was changing due to the change in status, Allstate refused to insure my home unless I repaired the roof. They threaten me with cancelation and I received a letter from my lender threatening to charge me a surcharge of $1,800.

I am unable to understand how, if 14 other homeowners, who may have been insured by companies that don’t claim to have their customers “in good hands”, were able to get the service the needed in this difficult situation, why I could not. I also cannot understand how a national company who had a customer, who had stuck with them for nearly 30 years, could allow this unfair situation to occur even if their policy contains a technicality that allows them out of their obligations. I understand insurance companies are facing tough times due to the bad weather we have seen in this country over the past several years, but it does not excuse Allstate from violating the claim they make in their advertisement.

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