Submitted: Monday, December 09, 2002
Posted: Tuesday, December 10, 2002
Brandy
Fairfax
U.S.A.
Insurance is designed to cover losses that are of a large and catastrophic nature. I can assure you that 3 losses in 5 years, regardless of the amount paid by Allstate Claims, is a bit frequent. If they had never paid you a dime, I bet you still would have been cancelled. Why? Frequency of loss. Consider that on top of what they pay in actual damages there is an Adjuster and Claim Staff that put time in to investigate and settle claims.
Allstate has Underwriting guidlines that are uniform to all in a given region. All Insurance Companies do. If you feel you've been discriminated against because your property is near water then ask to see their Underwriting Guidelines. You might also find that they continued to honor your policy even if they were not writing any new business in your area because of the proximity of property to water because you already had a policy before that time.
From a Consumer standpoint-some practical advice: get a damage estimate, consider your deductible, and decide if the repair (even if it's covered by your policy) is worth submitting as a claim. Insurance is NOT a substitute for your bank account and should really only be used if the loss is large and expensive. Also consider grouping your insurance with 1 carrrier to give you leverage in situations like this. Hope this helps.
Submitted: Thursday, August 08, 2002
Posted: Friday, August 09, 2002
Adam
Bloomington
I would suggest contacting the New York State Department of Insurance. Usually you can obtain insurance through the state for flood zones or other risk prone areas. This works for auto insurance as well.
Good Luck