Allstate - In Good Hands? I think not

History of what is going on. I bought a new house in last April and a buddy of mine told me Allstate was the way to go. I had Geico previously and was very happy with them. But I switched cause they gave me a good rate. I have been in my house over 8 months now and my floor broke. Allstate says my house is settling and refuses to pay. My house is a 1983 house. Surely a rocket scientist can figure if the house was going to settle it would have done so a long time ago. I had an engineer I found on the web come look at my house and write up a statement saying the house did not settle but a break in the wood happened. Allstate still refuses to pay. You buy insurance to protect from things like this and now my family is at risk of injury if something bad happens. Be very careful using this insurance. You are NOT in good hands with Allstate!

No insurance company is going to pay for mechanical break-down, auto or home!
If it was caused by weather, fire or vandalism...then yes they should pay. Not for something that broke due to age.

Allstate has been more than fair in my experience. We had a roof that hail damage was discovered recently. I am not sure if it was existing or new, but I know everyone else was fighting with their insurance company, and Allstate replaced my roof!
I am in Good Hands!

Tony, I know you do not have an insurance license, therefore do not understand how your insurance works and what it does and does not cover. Anything that happens over time due to age, wear and tear etc is a homeowners responsibility. A covered loss on your home has to be sudden, immediate and have a direct cause to be covered. Your insurer is not responsible for that kind of claim and would not be covered under ANY homeowner policy, regardless of which company you are insured with. Sorry to break the bad news.

Lilpixie is absolutely correct. You don't say in your note how your floor broke.

I agee with tony Allstate as well as most inshurance is a rip off they make it mandatory by law but when you need to use it you are left out in the cold. I have ad nothing but problems with allstate. hell if there not going to pay you mignt as well go with the cheepest posable and if anything happens to your home file bannkrupsy and walk away.