FAQs: home insurance claims

It depends. Check your policy for additional living expense coverage and know your coverage limits. That policy feature helps cover additional living expenses, such as hotel bills or restaurant meals, if your home is uninhabitable due to a covered loss.

In some cases, your claim representative can provide you with an estimate without visiting your home. If you need to make an appointment with a claim adjuster, he or she can usually provide you with an estimate after completing a home inspection.

Generally, the dwelling protection coverage in your homeowners insurance policy applies to this situation. Coverage for burglaries may include damage to your home due to a break-in and stolen property, up to the limits stated in your policy. Our claim representatives would be happy to go over the details of your specific coverage.

Yes. Your policy requires you to file a police report for theft.

Yes, you may need to provide proof of ownership. Providing receipts, owners' manuals, warranty cards, appraisals, photographs or original manufacturer's boxes can help support your claim. Using the Digital Locker tool on the Allstate^® mobile app is a great way to keep records.

This scenario should fall under your home insurance policy's dwelling protection coverage. Coverage for fallen trees may also include tree or debris removal, depending on the situation. Talk to an Allstate^® representative to learn the details of your coverage.

Public adjusters are independent claim adjusters not associated with Allstate, so their fees are not reimbursable under your Allstate policy. As an Allstate policyholder, you don't need to hire a public insurance adjuster to settle your insurance claim, unless you choose to.

If you receive a legal "summons" or "complaint," you are being sued. Call your Allstate claim representative for next steps. Not contacting us may jeopardize your coverage.

Standard homeowners, renters or condo insurance policies do not typically cover flood damage. You may be able to buy a separate flood insurance policy to help protect your home and your belongings.