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 Posted: Tue Dec 30, 2008 9:49 pm Post subject: iVE HAD ALLSTATE SINCE DEC 4TH 08 WILL THEY PAY MY CLAIM |
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| MY HOUSE WAS BROKEN INTO I HAVE BEEN WITH ALLSTATE SINCE DEC 4 08 I HAVE 4 KIDS SO I LOST A LOT OF ELECTRONICS PS3, WII, (2)PSP, (2) NINTENDO DS, 30 GAMES TOTAL FOR ALL SYSTEMS, DVR, (2) DVD PLAYERS, I POD, DIGITAL CAMERA, LAPTOP, DESKTOP, PRINTER-FAX, CLOTHING, ENGAGEMENT RING, FURNITURE DESTROYED IN LIVING ROOM LOOKS LIKE OIL, 3 FLATSCREEN TVS (1) 60 INCH LIVING ROOM (2) 42 INCH BEDROOMS, MICROWAVE, FOREMAN GRILL, I MADE A POLICE REPORT HE JUST GAVE A CASE NUMBR HE DIDN'T TAKE A LIST HE SAID INFORM ADJUSTER OF MISSING ITEMS BECAUSE THERE COULD BE MORE THINGS ONCE I LOOK AROUND THE HOUSE AND HE WAS RIGHT HOW EVER MY SISTER SAYS DON'T FILE A CLAIM BECAUSE IVE BEEN WITH THEM LESS THAN A MONTH HEY WILL DENY THE CLAIM AND DROP ME IS HIS TRUE? I FEEL I SHOULD BE ABLE TO FILE THIS CLAIM AND THE SHOULD BE RESPONSIBLE IF THEY ARE MY CARRIER SOMEONE PLEASE HELP I DON'T WANNA WAIT TO LONG TO FILE THE CLAIM IM IN ATLANTA GA |
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amber
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| Posted: Tue Dec 30, 2008 9:54 pm Post subject: |
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They won't exclude coverage due to the length of time you've had the policy but I'm betting they will take a _hard_ look at the claim. I'd say this due to the age of the policy and the items stolen. If all the items were taken, they would have need to load up a semi truck to get it all! It's not like they could just walk in and walk out with all of those items.
It's also odd that the police did not want any information on the items. What if they are recovered? What good is them coming out if they are not going to list the stolen items? What are they being paid for? I can see that they won't actively look for the items but what if they are recovered some place.
All of the things above are HUGE red flags so don't be surprised if they ask a lot of questions and probably obtain an examination under oath.
Will they non-renew the policy? Perhaps. No know can know. But they won't cancel it (which is different then non-renewing). |
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tcope
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| Posted: Tue Dec 30, 2008 10:10 pm Post subject: POLICE |
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| I hwas actually in Alabama when this occured so I dont no if they kept coming back or what my neighbor actually called the police and she gave them my number to come back they had already entered my home and looked they saw the television boxes most things were received for christmas so alot of the packaging was still laying around but once I got here and called them back he didnt even get out of the car so do i need to call and complain on the officer |
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amber
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| Posted: Tue Dec 30, 2008 10:16 pm Post subject: |
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It's up to you if you want to complain about the police officer. Personally, Id think the least they could do for the money I'm paying in taxes is put a list of stolen items on their report. If I was the adjuster and saw that the police report did not have all the items listed, I'd require you to have this done. It preserves my right of recovery against anyone the police find with these items. Also, it shows me that you are willing to officially tell the police that these items were stolen. If they were not, you'd be facing some serious legal issues. This goes a long way to show the adjuster that you are truthful about the theft.
Pictures of the items will help and perhaps the info from your neighbor. |
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tcope
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| Posted: Tue Dec 30, 2008 10:24 pm Post subject: |
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| THEY STOLE MY CAMERA BUT I HAVE PICTURES ON MY MYSPACE WILL THTA BE SUFFICIENT |
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amber
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| Posted: Tue Dec 30, 2008 10:52 pm Post subject: |
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I am an allstate agent this is the first time I have ever seen this board. But I have recently written a policy that the samething happened. It was about a week after the effective date when numerous items were stolen. They ended up paying the claim but they did investigate. you better have either reciepts or CC statements showing the recent purchases as you say. everything better not have been paid for in cash, also they are only going to pay up to the policy limits minus the deductiable.
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allstate99999999
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| Posted: Wed Dec 31, 2008 7:12 am Post subject: |
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Hey Allsatte, great that you have dropped in to this thread. Why don't you join us? I'm sure that you can be of immense help to our members and visitors.
And, to the OP, surely that your claim won't get denied if its a real misfortune. And as Tcope has said, the carrier is going to look into the matter very hard since its very new policy to ring the bell of fraud, but your claim will be paid if its authentic. Don't worry and turn the claim to your insurer. Hope you'll be alright. |
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simon
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| Posted: Wed Dec 31, 2008 11:15 am Post subject: |
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OP you need to get this claim filed with allstate NOW...there is little doubt this claim (due to the facts of loss and your tenure with the company) will be awhile getting settled, not 'promptly' reporting the claim is another red flag..so get on that today!
I doubt the claim will be denied, but as Tcope has said, there will likely be a long investigation...including an EUO...but you have nothing to worry about just tell the truth...but get that claim filed now!
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Lori
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| Posted: Thu Jan 01, 2009 2:25 am Post subject: thanks |
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| THANKS EVERYONE I ACTUALLY FILED THE CLAIM O MONDAY AND THE ADJUSTER SENT HE CHECKOUT TODAY IS THAT OUT OF CHARACTER NO QUESTIONS I FORWARDED HER THE RECEIPTS FOR THE NEWLY ACQUIRED CHRISTMAS ITEMS AND I AM VERY PLEASED WILL MY PREMIUM INCREASE NOW??? |
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amber
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| Posted: Thu Jan 01, 2009 10:10 am Post subject: |
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Well, that may depend upon the business policies of the insurance company. However, even though there is a rate change its not due until the next renewal. So, you can sleep well for the coming nights (till the renewal date) without fearing rate hike.
Happy New Year!!! |
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JeremyHolter
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| Posted: Thu Jan 01, 2009 1:41 pm Post subject: |
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| Quote: | | WILL MY PREMIUM INCREASE NOW??? |
Check with your agent, but I'd guess more than likely...also check to see if a claim this early could cause a non-renewal.
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"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr. |
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Lori
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| Posted: Thu Jan 01, 2009 6:56 pm Post subject: |
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| ok thanks you guys. |
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amber
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| Posted: Fri Jan 02, 2009 12:28 am Post subject: |
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| Doesn't the premium increase have something to do with the amount of the claim? I was told this when I had to file a claim last year. I also believe they told me it would stay at that increase for three years. Anyway glad to hear everything is worked out for you Amber...enjoy your New Year. |
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fireyone
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| Posted: Fri Jan 02, 2009 5:24 am Post subject: |
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| Quote: | | Doesn't the premium increase have something to do with the amount of the claim? |
Well, the rate may get affect by the worth of the claim, but its certainly not obvious. Different insurers practice different business policies and hence, a single incident may get interpreted differently by different insurer. However, you are likely to experience rate hike if you file too many claims under the home insurance policy within a very short period of time.
~Jeremy |
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JeremyHolter
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| Posted: Fri Jan 02, 2009 5:39 am Post subject: |
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wow, how sad, I am glad that all worked out for you, I hope they don't raise your premium, it is not like something like this would be your fault and besides that is what you carry insurance for.
I would think they would have to look at claims filed with other carriers to determine if they were going to raise your premium, if you have filed a lot of claims in the past they may, but if you did not, I don't see how they could justify it. goodluck hope all works out for you. |
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goodnatured
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