I hate Allstate

[Dave_L]

Every time I go to visit your agent he's busy with a line of satisfied customers out the door! I don't even try any more.

Ha! What a scum bag.

Insurance companies finally realized it would be wise to check in on the homes they're insuring. Make sure its not a huge liability/falling apart/etc. Part of that is brush hazards for wild fire zones. Yes, its annoying but I don't think it'll get much better going forward. I will never buy a house in the woods because of this. I would love it but insurance might start getting hard to find/very expensive.

If someone was giving you $2,000 a year and you had to pay them $500,000 if their home burned down, would you be insistent on keeping it mitigated?

Some companies can accept a mitigation letter from approved companies to pass these inspections now. Reach out to your agent and see what your options are. I know American Family has a "fire score" and if the address gives too high of a score, they wont even quote you. State Farm has similar guidelines to Allstate. Probably only a matter of time until everyone is on board.

Im sorry for your situation. It's very frustrating.

The reality is Colorado sucks for property insurance. Thanks mother nature.

[MED]

Ha! What a scum bag.

Insurance companies finally realized it would be wise to check in on the homes they're insuring. Make sure its not a huge liability/falling apart/etc. Part of that is brush hazards for wild fire zones. Yes, its annoying but I don't think it'll get much better going forward. I will never buy a house in the woods because of this. I would love it but insurance might start getting hard to find/very expensive.

If someone was giving you $2,000 a year and you had to pay them $500,000 if their home burned down, would you be insistent on keeping it mitigated?

Some companies can accept a mitigation letter from approved companies to pass these inspections now. Reach out to your agent and see what your options are. I know American Family has a "fire score" and if the address gives too high of a score, they wont even quote you. State Farm has similar guidelines to Allstate. Probably only a matter of time until everyone is on board.

Im sorry for your situation. It's very frustrating.

The reality is Colorado sucks for property insurance. Thanks mother nature.

I think you missed the part that I already did the mitigation. I pulled down 150 trees and had the Colorado Forest Service write up the plan. I met their guidelines and have all the documentation. What Allstate is doing is unreasonable!

Is there a way to post a couple PDF docs on here; I can share my mitigation documents.

[Dave_L]

No, I saw that part. I understand the frustration. Have you tried reaching out to your agent? There are a lot of options to try and tackle this, especially since you have done a lot of work for this.

[Irving]

MED, you should still reach out to your agent. The underwriting department sends out inspectors, who just write up whatever they can find and send in a report. Bring your issue to the agent and ask them to go ri bat for you to underwriting. Essentially there are three hands opperating and none know what the other two are doing. Your agent will be your advocate.

[Dave_L]

MED, you should still reach out to your agent. The underwriting department sends out inspectors, who just write up whatever they can find and send in a report. Bring your issue to the agent and ask them to go ri bat for you to underwriting. Essentially there are three hands opperating and none know what the other two are doing. Your agent will be your advocate.

^this.

[MED]

MED, you should still reach out to your agent. The underwriting department sends out inspectors, who just write up whatever they can find and send in a report. Bring your issue to the agent and ask them to go ri bat for you to underwriting. Essentially there are three hands opperating and none know what the other two are doing. Your agent will be your advocate.

My insurance agent is heavily involved and just as pissed about it all as I am. She even came up to the property and inspected it for herself. Two years ago she fought like hell to get through underwriting and that was with the Forest Service documents. I thought I was done until this year when they said they were going to inspect every two years. My agent is frustrated beyond belief because she is losing customers because of what Allstate is doing; people like me who are old customers who don't make claims and make her money. She is looking into brokering a deal with a different carrier to be done with this mess. I kept them previously because my auto rates are great because of all my discounts from years of no accidents, but I am done. Mainly, I just wanted to warn other people. I was looking online, and I see that Allstate is among the bottom two worst companies for home insurance and I see why. when this first started, I was frustrated with their process but it needed to get done. This time around I am just pissed.

Lastly, a coworker of mine is heavily involved as a volunteer at the Evergreen Fire Department with tons of wildland fire experience. He believes what i have done is perfect and what Allstate is saying is ridiculous...they are just a ridiculous company.

[mtnrider]

Insurance companies generally ARE in the business of making money like any other company but you CAN expect better from USAA if you qualify for membership. USAA used to be officers only but several years ago they created an associate membership for current and former NCOs or "dependents" (you count if you had a grandparent who served). USAA operates like a co-op so you are a member, not a customer, and they will try very hard to not lose money on you (not fair to other members if they do) but they will treat you with respect. Anymore, membership in USAA is the best benefit I've derived from my military service.

I Agree but even USAA is getting "selective" on where they insure. For instance they will not insure in Black Forest so we had to go with a different agency. So while they usually take care of you very well they are backing out all together of areas they consider risky. They did the same thing with motorcycles years ago. Used to be the cheapest place for cycle insurance but since they considered it risky they farmed it out to Progressive which is ridiculously costly.


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[Dave_L]

Med, I can empathize with your situation. It really does suck and I know its seems like you're being unfairly punished. They aren't trying to pick on you. The insurance industry is just changing...a lot. You can thank the Black Forest fire for shining a big ol' spotlight on fire hazards in CO. Even if you clear this inspection, you'll be in the same spot in 2 years so probably best you find a new company that better suits your situation.

[SamuraiCO]

I have bundled USAA insurance for home and cars. NEVER had a problem with a claim with either car or home claim (two different hail claims on home, hail damage to one vehicle, slight deer damage to my truck). We also get rebates back some years.

They also have banking services. Used their buying service when I purchased my new Truck and financed through them.

Point is when you need them they are there. No hassle. Great service. No political crap from the organization.

[MED]

Well, USAA is a no go, but they sure wanted my auto policy; and I got my membership activated for future needs. I also had a couple more denials with other carriers who are not writing new policies up here. Only high risk carriers will write a new policy with high deductibles and high premiums ($3,250), and even some of them wont like the one USAA transferred me to on the phone. It looks like I need to stick with my grandfathered policy and suck it up or pay the cost of the high premium. Yep, I've never had a claim, but every year the front range gets ravaged by hail, floods, and crime....awesome!