Allstate Denied My Roof Claim: What Happened and What I’m Doing About It

Model of house and folder with home insurance.

When I found out that Allstate had denied my roof claim after all, I was furious. Was I supposed to not have a roof over my head just because they didn’t want to pay up? No way! That’s why I’m doing everything I can to get the money I need to have my roof fixed by somewhere else and without Allstate. Here’s what happened and what you can do if your Allstate roof claim gets denied too!

The Problem

I submitted a roof insurance claim to Allstate after my shingles were damaged in a severe storm. I was expecting a check for the repairs, but Allstate denied my claim. They said that the damage wasn’t caused by the storm, but by poor maintenance on my part. I was shocked and angry. How could they turn down my valid claim? It seemed like they were trying to find any excuse not to pay me. I decided that I needed help with this, so I found an attorney who specializes in insurance claims like mine. The attorney said she would look into the details of my case and try to find out why Allstate didn’t want to pay me. If it’s because of their bad reputation or something else, she will get them to change their minds about denying my claim! I feel much better now that someone is fighting for me, especially someone who knows what they’re doing. They’ve already made some calls and gotten information from other people. And even though it may take a while before we hear back from Allstate, at least I know that the lawyer is working hard on my behalf. I can’t wait to see how everything turns out! It’s always been difficult for me to ask for help when I need it, but I’m really glad that I did this time.

I called up an insurance lawyer and set up a meeting. Now we’re waiting to hear back from Allstate about my roof insurance claim.

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The Phone Call

I was sitting at my desk when I got the call. The insurance adjuster on the other end of the line told me that Allstate had denied my roof claim. I couldn’t believe it. I had just gotten off the phone with them a few days ago, and they had said everything was fine. They told me that my coverage for wind damage would cover the repairs to my house’s roof.

I had already contacted a contractor to get estimates for replacing the damaged shingles and work on some small leaky spots in the attic insulation – we’re talking about several thousand dollars’ worth of work. I even asked if there were any caveats or anything else I needed to be aware of before starting this project and they said no, so I went ahead with it.

The cost for replacing those shingles alone is about $3,000! That’s three times what I thought it would be. Now what am I going to do?

The Explanation

I was pretty upset when Allstate denied my roof claim. I had just bought the house a few months before and the roof was in good condition. But then a severe storm came through and damaged it. When I called Allstate to ask about the roof damage, they said they wouldn’t cover it because they don’t cover sudden damages to roofs that are more than three years old.

I felt frustrated but wasn’t ready to give up. So, I looked at other insurers that offer more coverage for sudden damages, like State Farm.

In order to make sure everything is covered, I called up an insurance broker who offered me two quotes for homeowner’s insurance- one from State Farm and one from Allstate so that I could compare their prices side by side. The difference in cost between them was huge! And after talking with both companies on the phone, there seemed to be a noticeable difference in customer service as well. State Farm representatives were helpful and sympathetic towards my situation while Allstate reps were quick to deny my claim without listening to what I had to say. They also refused to come out and assess the damage until I submitted a payment of $1,000. And since paying such a large sum would put quite a strain on me financially right now, I decided against this option altogether. Instead, I’ve found someone who can replace the roof within my budget range; which leaves me feeling relieved knowing that this isn’t going to weigh heavily on me anymore.

Moving Forward

After being a customer for over 15 years, I thought they would be more helpful. However, I’m not going to give up that easily. I’ve already filed an appeal and am hopeful that they will reconsider their decision. In the meantime, I’ve started shopping around for a new insurance company. One that will be there for me when I need them the most. Many people I know have been saying great things about Liberty Mutual Insurance so maybe that’s the way to go.

I also want to make sure I don’t forget about saving money on home maintenance with some good old fashioned DIY (do it yourself) projects. If all else fails, I might just have to bite the bullet and pay out of pocket for repairs until Allstate finally does something about it. With homeowner’s insurance rates constantly going up, who knows how much longer I’ll be able to afford my monthly payments. Plus, if anything were to happen like a natural disaster or earthquake then I won’t even have a house at all! That would really suck but no matter what happens I refuse to lose hope or get discouraged because this is one battle that cannot be won by giving up!


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