I was in the process of purchasing multiple insurance policies from this agency including homeowners, landlord, and auto. The rep. gathered all of my info, including copies of my existing policies, and gave me a quote for all three policies. She then asked if she could order inspections on the homes to proceed with the process of writing the policies. I agreed and she ordered the inspections.
Prior to the inspections, and based on the information detailed in my existing policy, she quoted me $600 per year for the homeowners policy. My home is a brand new construction purchased six months ago in a Pulte subdivision. The sub is just 50% occupied so I can purchase new homes from Pulte in this sub for the same price I paid for mine. Once the inspections were complete, the insurance rep called me and said that the replacement value of the house came back 41.6% higher than I paid for the house. Keep in mind that this is a new construction house that I purchased just 6 months ago from Pulte. Since the inventory in this subdivision is only 50% sold, anyone at any time can purchase the exact same house as mine for the exact same price as I paid. She (the insurance rep) told me that this would increase the price of the policy to $728 per year (a 21.3% premium increase). I told her that the inspection was inaccurate and she said that there is nothing she can do about that. I asked for the name of the inspector so that I could file a formal complaint with Allstate corporate and she said that she didn't know who did the inspection. I asked for the name of the inspection company and she said that there is no company name, it's just an
individual. I said, how do you get ahold of them if you don't know their name?
She replied, "they just show up in our e-mail".
At this point I was frustrated and asked for information to file a formal complaint with Allstate. She said that she didn't have time because she had customers in the office! I asked to speak with John Ivkov (the actual agent) and that request was declined.
Apparently, this agency feels no responsibility to ensure that their home inspections are accurate and has no problem hiking premiums on potential customers by over 21% at the last minute. Needless to say, I will never dobusiness with Allstate!