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Common Property Insurance Claim Questions

What Do I Need to Know?

My Home Was Damaged During a Burglary. Is This Damage Covered?

Generally, your policy's Dwelling Protection coverage would apply to this situation. However, any of our claim representatives would be happy to explain what your policy covers.

Do You Handle Property Damage from Natural Disasters Differently?

If a natural disaster results in a significant number of claims reported at one time, we would probably declare these losses a "catastrophe." In these events we deploy National Catastrophe Team adjusters and, depending on the conditions, we advertise on local radio stations and may place banners around the affected area with specific instructions for getting help with your claim.

In most cases, Mobile Claims Center would be on hand to offer further assistance. There is also a phone number, 1.800.54.STORM (1.800.547.8676), set up specifically for our customers during catastrophes. Our Catastrophe Preparation and Claim Information can provide you with additional resources.

Does My Homeowners Policy Cover Flood Damage Caused?

Flood coverage is provided through the National Flood Insurance Program. If you have a National Flood Insurance Program policy purchased through an Allstate agent you can report your loss by calling your agent, 800-54-Storm (800-547-8676) or online at Report A Claim.

My Damaged Home Is Not Safe. Will My Insurance Cover the Cost for Temporary Living Arrangements?

If your policy has Additional Living Expenses coverage, and a loss that your policy covers makes your home uninhabitable, then your policy would pay for additional living expenses needed to maintain your normal standard of living. Check your Allstate policy to see if you have Additional Living Expenses coverage and what your limits are. One of our helpful claim representatives also can assist you with these and other questions.

My Tree Fell on My House. Does My Policy Cover the Damages?

Generally, your policy's Dwelling Protection coverage would apply to this situation. However, any of our claim representatives would be happy to explain what your policy covers.

How Will I Know If I'm Being Sued? What Should I Do?

If you receive a legal "Summons" or "Complaint," you are being sued. You should call your Allstate claim representative and immediately forward any paperwork they request. If you hesitate contacting them, you may run the risk of jeopardizing your coverage.

How Long Will My Claim Take?

Every claim is unique, and many things can affect how long it takes to resolve a claim. However, we want you to know that our claims teams are made up of experienced professionals who work with claims similar to yours day in and day out. They'll always do their best to get your claim resolved efficiently. You can help your claim process go smoothly by providing us with all the information you can about the incident. Talk with your claims team to make sure you've given them everything they need.

What is a Deductible?

A deductible is the amount you've agreed to pay out of your pocket before we pay for any covered losses. For example, if the covered claim is $4,500 and you picked a $500 deductible, you pay $500, and we then pay the remaining $4,000.

Will My Premium Increase If I File a Claim?

Every policyholder's situation is unique, so the answer to this depends on the circumstances of your claim. If your claim causes you to lose a discount - such as the Allstate Claim Free Discount - then your premium will increase. But there are other discounts, such as Allstate Auto and Home Discount that your claim probably wouldn't affect.

You may also see a premium increase due to a claim surcharge, or if you've had one or more property claims. Your Allstate agent may be able to give you a better idea of how your claim might affect your premium. Please keep in mind that if there is an increase, there are ways you can help manage your insurance costs without sacrificing quality Allstate coverage. For example, some of the ways you may be able to maintain or even reduce your premium include:
  • Reviewing your coverages and making sure that they meet your current needs
  • Adjusting your deductible and/or limits
  • Taking advantage of all available Allstate discounts
  • Updating your policy to reflect any changes in your life
We encourage you to contact your Allstate agent to discuss whether any of these suggestions will work for you if you do see a premium increase. To learn more about why your premium could change, check out our interactive guide: My Premium Changed - Why?

Will My Policy Be Cancelled If I File a Claim?

Under some circumstances permitted by state law, we may cancel or non-renew a policy as a result of a claim. This could occur if an insured files multiple claims in a certain time period. Your Allstate agent may also be able to give you a better idea of how your claim might affect your status.

What's a Public Adjuster, and Do I Need to Hire One?

A public adjuster or solicitor may contact you shortly after a loss seeking to assist you in making a claim against Allstate. Public adjusters are independent claim adjusters and are not associated in any way with Allstate. For their services, public adjusters charge you a fee based on the total value of your settlement. These fees may be considerable and 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. An Allstate claim representative, experienced in making claim settlements, will tell you what paperwork is necessary to finalize your claim. Of course, the decision is yours.

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