mud_angel1 asked:


We purchased a home and had allstate insurance, we recently had a fire and now we are being told that we had the wrong policy and we are in a long drawn out process. We dont know if the policy will be covered or not yet. Allstate is dragging there feet. Even though it is the agents responsibility to take pics and view the home she did not. they told us that the agents are not actual employees of allstate. can anyone give us advice on what to do?
We have a single wide trailer with a living room extension and a sunroom extension. The agent was told all the details of the home. She never took pics of the home and never had us sign the policy, however we have been paying them for 5 months now. They have had plenty of time to not insure the house if they wanted but they have been excepting our payments. I have contacted our insurance comissioner 2 weeks ago but have not heard much from them. He said he had to send a letter and wait for a response.
Arson was never a question, they reported it as a electrical. My family was in the home of the time of the fire.

Technorati Tags: , ,

homeowners insurance
Jen asked:


Is it legal for our homeowners insurance to drop our policy after a fire? The fires cause is listed as unknown but was NOT arson. This is the only claim made to our insurance. Anyone know any insurance companies who might sell us insurance if it is legal for our company to drop us?

Technorati Tags: , ,