claims FAQs

You can log in to the Allstate® mobile app, My Account, or contact your agent for an update on the status of your claim.

You should see an update in MyClaim within 24 to 48 hours of submitting your claim. If you don’t see your claim details within 48 hours, please call 800-255-7828 or message your claims contact within MyClaim.

Simply submit your claim online on My Account, and a claims team member will determine if you’re eligible to submit photos to complete the estimate for your auto.

If eligible, you can use the Allstate mobile app or text ALLSTATE6 to 25788 to start today.

To help speed the processing of your claim, gather and share with your insurer any photos of the vehicles involved, including license plates, damages, and the accident scene—if it’s safe to do so.

You are free to choose any repair shop or a repair shop in Allstate's Good Hands® Repair Network.

The deductible is the portion of a covered loss that you are responsible for under the policy. For example, if the covered loss is $4,500 and your deductible is $500, you would pay $500 and Allstate would pay the remaining $4,000, or up to your limit.

You will typically pay your deductible directly to the contractor once the repairs have been completed.

When you enroll in our optional Deductible Rewards® program for car insurance, you immediately get $100 off your collision coverage deductible. For every year you drive accident-free, you’ll earn an additional $100, up to a maximum of $500.

These rewards can reduce your collision insurance deductible by up to $500. For example, if your collision deductible is $1000 and you earn $500 in Deductible Rewards, you’ll save half of your out-of-pocket cost if you have an insurance claim after an accident. And, if your deductible is set at $500 and you earn the maximum $500 in Deductible Rewards, you’ll pay no deductible for a collision insurance claim.

When you enroll in our optional Deductible Rewards® program for homeowners, you’ll get $100 of your deductible. For each year you remain claim-free, you’ll earn an additional $100, up to a maximum of $500.

These rewards can be applied per claim, typically toward your highest deductible. For example, if your highest deductible is $1000 and you earn $500 in Deductible Rewards, you’ll save half of your out-of-pocket cost if you have an insurance claim after a covered loss. Exclusions apply.

Safety risks like no water or electricity, or no access to your home, may mean that your home is considered “uninhabitable”.

Many insurance policies cover additional living expenses incurred in order to maintain a normal standard of living.

Some covered expenses include:

• Hotels or temporary housing
• Food and restaurant bills above your typical food costs
• Additional mileage for a longer commute to work

Your assigned adjuster will be able to discuss the claim specifics with you to make an Additional Living Expense determination.

If you have a covered loss, your claim team member may request detailed descriptions of damaged personal property. Details requested by the claims team member may include brand names, model numbers, purchase dates and purchase prices of any damaged items.

Covered claims may be eligible for settlement within 48-hours of adjuster assignment, although timeframes may vary based on the loss’s circumstances.

Contact your claim representative with any concerns, and they’ll work with you to find a fair solution.

If you have a mortgage on your home, the mortgagee (usually a bank) is typically named on your homeowners’ policy. Most mortgagees require that their name is included on claim payment checks over a specified amount. Contact your mortgagee to find out how to get their endorsement on the check.

Depreciation is a deduction from the settlement amount based on the depreciated value of property that adjusts over time. It’s affected by factors like the item’s age, condition and current market value.

Although you damage estimate shows a depreciation amount, Allstate may make additional payment to reimburse you for cost more than the actual cash value if you repair, rebuild, or replace damaged, destroyed or stolen covered property. Please note that this potential reimbursement is subject to the policy provisions. Most policies have a timeframe for recovering these additional funds, which your adjuster will review with you if applicable. The timeframe within the policy is for the actual repair/replacement and not for the submission of the receipts.

Send us any legal paperwork related to your incident as soon as you receive it. Upload it by logging in to the Allstate® mobile app or My Account. Call your claim contact or dial 1-800-ALLSTATE (255-7828) and we'll instruct you on how to send us the documents.