[ROSEBUD99]

I had a couple of really bad experiences with Allstate, both involving my roof here in TN. First one was we had a severe hail storm, all my neighbors and I had roof inspections, we were all told we had hail damage, so I called Allstate to file a claim, they sent out their inspector who found no damage to my roof...every single home on my street had their roof replaced (with various insurance companies) except for me. Then I switched to State Farm (they had better rates) and I was happy with them, my old Allstate agent contacted me and offered me an amazing rate to lure me back and I took the bait, cancelled State Farm and went back to Allstate...then one day I was balancing my checking account and noticed I had a higher than normal balance...ALLSTATE CANCELLED MY INSURANCE WITHOUT EVEN NOTIFYING ME and refunded all the money I had paid (when I called they said my roof was too damaged and too old, funny that it was in perfect condition just a year or two before after that hail storm when they would have had to pay to replace it and we hadn't had any weather issues since that time). It was too late to go back to State Farm, the grace period had expired by a couple of days when I saw the cancellation so I tried scrambling around looking for coverage and found out that Allstate had decided my roof was bad and too old to be covered by insurance and essentially got me blackballed from getting ANY insurance with any company! So I called Allstate and they were "so nice", and offered to make sure I had coverage...and all I had to do was pay FOUR TIMES as much for coverage using their sister company! I refused to do that so I got on my knees and begged my old State Farm agent to help me, which he did, he gave me coverage for everything excluding the roof, nobody else would even do that, and I scrambled and had a new roof put on and State Farm immediately gave me full coverage at the original rate I had before Allstate tricked me into leaving them. I WILL NEVER USE ALLSTATE FOR ANYTHING AFTER THAT EXPERIENCE. Granted it was in TN, but if TN does business like that I don't have confidence other states would treat customers any differently...that was a dirty trick they pulled on me.