I have had Allstate for 15 years.
Our kitchen floor started to sag. At first I thought it was bad construction. We called a contractor to come out and see why my floor was sagging. He could not tell from inside the kitchen, so he went under our house, which has an 18-inch crawl space. He discovered a water leak. There was no visible leak anywhere in the house, no wet floor, no wet wall, etc.
He asked if I had homeowners insurance, and I said yes. He asked me for their phone number and called Allstate. He told them what was going on and that he needed their permission to tear out my kitchen cabinets, tear out a wall and remove my stove. Allstate approved the destruction and said they would pay for it since I am an Allstate customer.
The contractor found the leak in the wall, and it only leaked when someone took a shower. It was not a continuous leak. He called Allstate back and confirmed the leak with them. He also told them that he does not do plumbing repairs, as he is not a certified plumber. Allstate told me to call a certified plumber and have the leak repaired as soon as possible. I did, and I paid the plumber $222 because Allstate said they would cover the cost of the demolition and the plumber. They said they would send out an adjuster.
Two weeks later, an Allstate adjuster showed up, looked at my floor and said, "YOU'RE NOT COVERED." I said, "Aren't you going to check anything out? Aren't you going to crawl under the house? Aren't you even going to see where the leak was?" The answer to all of my questions was "NO." They even refused to pay for the destruction of my kitchen and bathroom wall, and they refused to pay for the plumber.
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