out of 5
You're NOT in good hands-Home InsuranceOctober 08, 2012
In early fall 2011, we received a very competitive quotation from Allstate Canada, for home and auto insurance. First time customers of All State we were ranked VIP status given our multiple years claims free status. Half way into our policy year, however, we suffered water damage to our basement, the result of a burst pipe. We initially inquired with a flood restoration contractor to ascertain the level of remediation and restoration and whether we should in fact file a claim with the insurance company. We also consulted the insurance company to determine what, if any impact there would be to our policy/premium. Given the amount of damage and the value of the loss involved, we had little choice but to file an insurance claim. We claimed very little in terms of losses to any personal belongings ($1,000.00+/-); however, remediation & restoration costs to our finished basement, were substantial. ($15,000.00+/-). During remediation & restoration efforts, the service we received from AllState was outstanding. However, apparently customer service with AllState is duplicitous, in that the bomb was dropped by way of registered letter, announcing that they were cancelling our policy in light of the ""first year"" claim and the amount. AllState essentially downgraded our status from VIP to cancelled policy holders and this obvioulsy will adversely and seriously impact us as we look for alternate insurance coverage. The ridiculous position adopted by AllState suggests that we had control over the timing and nature of our claim. Unlike auto insurance, it's not as though this was the result of negligence or recklessness on our part. Word of caution to would be customers; our experience mirrors complaints filed by other customers that All State tends to lure with competetive premiums and then engages in it extremely poor customer service practice after they've reined you in.
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