What to Do After You File an Allstate Home Insurance Claim
If you have an Allstate home insurance policy, you’ve likely filed at least one claim in the past, whether to replace your air conditioning unit or file a claim after an accident that damaged your property.
But what should you do once you’ve completed your claim paperwork?
In this guide to filing an Allstate home insurance claim, you’ll find out how to handle all of the steps after your claim is filed, including how long it takes to get your money back and how to get help if you need it during the process.
Filing an Allstate home insurance claim after you experience storm or other damage to your property can be stressful, but it doesn’t have to be.
This guide provides instructions on what steps to take after filing an Allstate claim, helping you stay safe and get back to normal as quickly as possible.
Whether you need help with cleaning up after a flood or preparing your home for winter, this guide will show you how to proceed once you’ve filed your claim.
Prepare for your consultation
The first step is to make sure you’re prepared for your consultation.
Think about what questions you want answered and have all the documents or receipts ready that will be needed.
The Allstate claims department will contact you shortly after you file your claim, and they’ll help guide you through the process.
If you don’t hear from them within a few days, give them a call.
Present information clearly
Whether you’re filing a claim for the first time or not, it’s important to know what steps to take after you file a claim.
The following is a list of steps you can take after filing your Allstate home insurance claim:
1. Contact your agent for more information about the policy and about how the process works
2. Stay in contact with your agent throughout the process so that they can answer any questions or concerns that come up during the process
3. Follow up on any promises
After filing your claim, it may take a few days or weeks before you hear back from the claims adjuster.
If you have any questions during this time, feel free to reach out by calling 1-800-ALLSTATE (1-800-255-7828).
Claims adjusters are available 24 hours a day and will be happy to assist you with any of your questions about the status of your claim.
There is no such thing as a home insurance policy that’s perfect for everyone.
But if there is one that feels like it would work for your needs and situation, then let us know and we’ll be more than happy to help find the right coverage for you.
Don’t cancel the policy
Keep your coverage by setting up monthly payments.
If you are unable to set up monthly payments and want to cancel your policy, you can contact us at 1-877-8ALLSTATE (1-877-825-5478) and we can assist you with canceling your insurance or setting up monthly payments for the balance of your policy.
Ask about coverage options
Once you file a home insurance claim, you’ll be contacted by your agent about what kind of repair work is necessary.
But if the damage is not covered by your policy or the cost would be prohibitive, you may want to speak with an independent contractor.
For instance, if water damage left your carpets soaked and destroyed but there was no structural damage, then replacing the carpets might make more sense than getting a whole new floor.
Or, if you had electrical problems after storm damage, it’s worth having an electrician come in to assess whether it’s cheaper to have repairs done or replace all of your wiring.
An impartial professional will help you figure out which option makes the most sense for your particular situation.
Get a copy of the police report
You can file a police report if you have been the victim of theft.
It is important that you get a copy of the police report and provide it to Allstate as soon as possible so they can start the claim process.
Make sure that you are clear about what was stolen so that your insurance company will be able to process your claim quickly.
Make a list of damaged or lost items: jot down the name, quantity, and original cost for each item.
Take photos of the items before you dispose of them.
If you can’t afford to replace your items right away, then call Allstate at 800-ALLSTATE (800-255-7828) and they may be able to help with temporary living expenses such as food, shelter, clothing, or medical care.
Understand what is and isn’t covered under your policy
Not everything that happens in your home is covered under your Allstate home insurance policy.
And if you are going to file a claim, it’s important that you understand what is and isn’t covered.
For example, if someone falls on a rug and hurts themselves, then they may not be able to recover any damages from their own homeowners insurance provider because falls on rugs are not typically covered.
However, if the same person slips on ice in the middle of winter and injures themselves, then their homeowners insurance would cover this injury.
If you have had your car vandalized, you may not be sure what steps to take.
Here are a few things that you should do after filing the claim:
First, document the damage and any costs associated with it.
Next, report the incident to your insurance company.
Finally, call the police so they can get fingerprints from the vehicle and investigate what happened.
Sometimes, vandalism is done by kids who will turn themselves in after they see a police officer at the scene.
Either way, make sure you get their name and contact information in case anything else happens in the future.
Take photos before you clean up after a storm
After a storm, it’s important to take photos of the damage before you clean up.
These photos will help you make your claim with your insurance company and get reimbursed for any repairs that are needed.
If there is damage in more than one room, it’s best to document each room separately so there is no confusion about which damages were caused by which events.
Even if there isn’t any visible damage left behind after the storm, it’s still important to document the contents of your home before cleaning up and throwing out ruined furniture or clothing items.
This documentation will prove what was lost in case you need to file another claim later on.
Understand why you can’t make a claim on a new policy until you’ve had it in force for at least 60 days.
Allstate recommends that homeowners wait at least 60 days before making a claim on their new policy, since it needs time to kick in.
But if you’re in immediate need of money for repairs, you can use your old policy for up to $500 worth of coverage.
Both companies offer policies with a reduced premium for covering just the dwelling or dwelling and contents, so you can protect more of your assets with less risk.
You may also want to investigate buying an extended warranty for major appliances, such as washers and dryers; these warranties generally cover 10-15 years from the date of purchase and include regular maintenance visits from authorized service technicians.