I hate Allstate

[mtnrider]

Don't expect any better from any other insurance company. I have friends going through the same thing with State Farm right now. Bottom line is insurance companies are in the business of making money so they want to reduce Their risk as much as possible.


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[kwando]

Don't expect any better from any other insurance company. I have friends going through the same thing with State Farm right now. Bottom line is insurance companies are in the business of making money so they want to reduce Their risk as much as possible.


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You're prob right. I have AllState, when I bought my house they said i needed to replace all the siding. While the inspector said only two sides of the house. It is what is it, I wanted to upgrade to Hardie siding anyways. They also said I needed to move the "building material" but failed to see the trampoline (which most insurance companies will say needs to go). Otherwise I don't have anything to complain about. I can call my agent, speak with him in person. I know where his office is, and knows where he lives so i can pay him a "visit" when needed.

[Irving]

You're prob right. I have AllState, when I bought my house they said i needed to replace all the siding. While the inspector said only two sides of the house. It is what is it, I wanted to upgrade to Hardie siding anyways. They also said I needed to move the "building material" but failed to see the trampoline (which most insurance companies will say needs to go). Otherwise I don't have anything to complain about. I can call my agent, speak with him in person. I know where his office is, and knows where he lives so i can pay him a "visit" when needed.

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.

[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.

[Aloha_Shooter]

Don't expect any better from any other insurance company. I have friends going through the same thing with State Farm right now. Bottom line is insurance companies are in the business of making money so they want to reduce Their risk as much as possible.

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.

[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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[MED]

Don't expect any better from any other insurance company. I have friends going through the same thing with State Farm right now. Bottom line is insurance companies are in the business of making money so they want to reduce Their risk as much as possible.
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There is asking something reasonable like fire mitigation, which I did two years ago because I figured it was a necessary requirement. And, there is unreasonable like invalidating the CSF service fire mitigation plan and making unreasonable requirements...none of my neighbors are dealing with this.