Allstate Insurance review: Unreliable when we needed them

We have maintained policies with Allstate since 2018 and paid over $30,000 in premiums, filing only one prior claim. On May 7, 2024, our home sustained storm-related roof and siding damage. Our contractor determined the roof was beyond repair and recommended full replacement, prompting claim #xxx2.

After filing, we discovered multiple inaccuracies in our policy, including incorrect personal information and a roof age listed as 5 years instead of approximately 20. Our former agent acknowledged such inaccuracies were used to reduce premiums, yet they were later used to deny our claim.

Since May 2024, Allstate has issued only partial payments far below actual repair costs. For example, an initial $500 payment (after deductible) was made despite estimates exceeding $25,000. We paid out-of-pocket for siding repairs and were reimbursed $1,250—far below the true cost. On April 17, 2026, additional damage was denied, citing “installation error” despite contrary evidence.

Due to delays, we relied on temporary repairs. In April 2025, further storms caused additional damage and water intrusion, resulting in two more claims. Allstate instructed us to file separate claims, leading to $4,500 in deductibles. We were later told this guidance was incorrect and should have been handled as a supplemental claim.

Since May 2024, our case has involved at least five in-house and four field adjusters, with repeated inspections and documentation requests, causing delays, inconsistency, and increased damage.

We believe this reflects a broader pattern to minimize payouts. We request: (1) full compensation for roof, gutters, siding, and flooring; (2) an IDOI investigation; (3) appropriate penalties; and (4) removal of improperly filed claims from our record.