Allstate All State; Allstate Insurance added 500+ square footage to my home profile upon renewal and increased my yearly rate Chesapeake Virginia

I was qouted insurance rates for my home towards the end of 2012.  I provided the as built and appraised specs for my home which was recently refinanced (within the year).  I considered the appraisal to be very accurate.  The quote was drawn up based on home statistics and replcament value as accuralty estimated in the appraisal.  When my policy renewal arrived in the mail for the 2014 coverage year, my home replacement value jumped over $100,000 mainly due to an additional 500 square feet which seemed to magicly appear in my 'Dwelling Profile'.

I contested these changes as they were unwarrented and were not disclosed to me.  They were just slipped into the coming years renewal.  I was told by my agent that an appraiser went to my house and adjusted the figures.  I and the agent were supposed to have been mailed a notification of a change.  Neither one of us received it.  I told him to change it back because I have not done a single thing to my house to change square footage and he told me that I would have to provide a current appraisal to change it back.  I outright refused to provide any documentation to prove their bogus square fotage and replacement values wrong.  I stated that they would have to prove to me that my house is not constructed in accordance with the plan filed with the city.  I am still trying to sort it out.  My soon to be ex-agent told me I had to send him photos to prove that the "room over the garage" that they counted is actually just a attic above a tall garage.  I also refused to take the photos but offered for the agent to come to my house and do his J.O.B.  I am awaiting a reply.

I felt very taken advantage of.  My rates were raised $440.00 a year and since the bank pays the insurance, I would have never know until my escrow balance was getting sucked below the minimum.  They slipped in some bogus numbers and I was never notified except in a renewal notice that is nothing more than a piece of paper that says, 'here are this years new numbers.'  I was then given the direct burden to prove them wrong in order to get the policy information changed back to the correct values and figures.  As soon an I can I will be leaving Allstate for someone not looking to pull a fast one on me.