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Beach Fanatic

But, but, they're the good hands people  :roll: 

Yeah, good at sticking a hand up your kazoo.

But, but, they&#039;re the good hands people :roll: 
 
Yeah, good at sticking a hand up your kazoo.

yippie

They non-renewed all my neighbors policies.  AND non-renewed my business liability insurance as well!

I'll never insure ANYTHING will Allstate again. I even switched my car insurance to Nationwide because they didn't non-renew my homeowners!  That is hopefully where my business will be written as well.

They non-renewed all my neighbors policies. AND non-renewed my business liability insurance as well! 
 
I&#039;ll never insure ANYTHING will Allstate again. I even switched my car insurance to Nationwide because they didn&#039;t non-renew my homeowners! That is hopefully where my business will be written as well.

InletBchDweller

SoWal Insider

They dropped my Homeowners ins. also and I am 1/2 mile from the beach. I am now paying double. I have never filed a claim with them. I was soooooooo aggravated. I was told that there was nothing that could be done that the insurance commissioner of Florida approved them dropping many of their clients. Looks like we won the same lottery, just not the right one!!:bang: :bang: :bang: :bang:

Scooter

:puke:  :puke:  :puke:  :puke:  :puke: I promise that I will never use All State.

Actually, I'm a State Farm girl.  Been with State Farm for 19 yrs.  They are the best. :clap_1:

Actually, I&#039;m a State Farm girl.  Been with State Farm for 19 yrs.  They are the best. :clap_1:

Smiling JOe

SoWal Expert

So who are you going to use? :idontno:Allstate is not the only one dropping policies. Nationwide and State Farm have been dropping homeowner's policies left and right in the state of FL.

So who are you going to use? :idontno:Allstate is not the only one dropping policies. Nationwide and State Farm have been dropping homeowner&#039;s policies left and right in the state of FL.

Beach Runner

beats on hood

A lot of people in our town got screwed by Allstate after the December hailstorm. They refused to pay, whereas all of the other companies paid.
 
Of course, all of the premium renewals have gone up - our insurance premium after the hailstorm went up 37%!!!!! There's no such thing as a free lunch, much less a paid-for free lunch. LOL. 
 
When my husband went to pick up our daughter's car from the first available appointment we could get for hailstorm repair since we got back from the beach on January 2, the body shop doubled the price. We still haven't gotten our roof fixed - waiting on the contractor. I'm anticipating on a few surprises (aka price increases) on that.
 
Let's face it - insurance companies are in the business of taking your money and avoiding paying you for what you're paying for.

A lot of people in our town got screwed by Allstate after the December hailstorm. They refused to pay, whereas all of the other companies paid. 
 
Of course, all of the premium renewals have gone up - our insurance premium after the hailstorm went up 37%!!!!! There&#039;s no such thing as a free lunch, much less a paid-for free lunch. LOL. 
 
When my husband went to pick up our daughter&#039;s car from the first available appointment we could get for hailstorm repair since we got back from the beach on January 2, the body shop doubled the price. We still haven&#039;t gotten our roof fixed - waiting on the contractor. I&#039;m anticipating on a few surprises (aka price increases) on that. 
 
Let&#039;s face it - insurance companies are in the business of taking your money and avoiding paying you for what you&#039;re paying for.

beachmouse

Allstate renewed us with a nice 50% premium increase. Scary thing is that they're still cheaper than State Farm for us even with the increase.  We're about 50 feet above msl, so I suspect that's why we're easier to insure than many beach folks. 

And we're actually pretty happy about how easy they were to work with when we had to file a claim over freak lightning storm damage a couple years ago. Our claims list was such that there should have been a fraud flag go up (lots of exotic electronics) but they covered our claim with no questions asked.

Allstate renewed us with a nice 50% premium increase. Scary thing is that they&#039;re still cheaper than State Farm for us even with the increase. We&#039;re about 50 feet above msl, so I suspect that&#039;s why we&#039;re easier to insure than many beach folks. 
 
And we&#039;re actually pretty happy about how easy they were to work with when we had to file a claim over freak lightning storm damage a couple years ago. Our claims list was such that there should have been a fraud flag go up (lots of exotic electronics) but they covered our claim with no questions asked.

SHELLY

I can't say I'm surprised at what's happening out there with insurance--I pretty much saw this trainwreck coming several months ago--the next shoe to drop is the Citizen's clean-up. 

Will $1 million + homes be dropped from Citizen coverage?  How much more will second/vacation home owners be charged over primary homestead property owners (25% or more)? How will the inability to secure, and excessive cost of, home insurance play out in the real estate markets?  Will Florida state homeowners be miffed when they discover they've ALL got to pay 6% to bail out Citizens for 2004...AND will they get [B]more miffed [/B] when they have to pay out an [B]ADDITIONAL[/B] 10% to bail out Citizen's for the 2005 losses?  

(The "home insurance" part of the "cost of paradise" was contained in a [SIZE=1]teeny-tiny footnote[/SIZE].)

I can&#039;t say I&#039;m surprised at what&#039;s happening out there with insurance--I pretty much saw this trainwreck coming several months ago--the next shoe to drop is the Citizen&#039;s clean-up. 
 
Will $1 million + homes be dropped from Citizen coverage? How much more will second/vacation home owners be charged over primary homestead property owners (25% or more)? How will the inability to secure, and excessive cost of, home insurance play out in the real estate markets? Will Florida state homeowners be miffed when they discover they&#039;ve ALL got to pay 6% to bail out Citizens for 2004...AND will they get more miffed when they have to pay out an ADDITIONAL 10% to bail out Citizen&#039;s for the 2005 losses? 
 
(The &quot;home insurance&quot; part of the &quot;cost of paradise&quot; was contained in a teeny-tiny footnote.)

[font=arial,helvetica,sans-serif][size=2] [b]Homeowners Insurance
[/b][/size][/font][font=arial,helvetica,sans-serif][size=2]by:   Tuquyen Mach (tmach@wmbb.com)[/size][/font]

  [font=arial,helvetica,sans-serif][size=2]	   	 		[/size][/font] [font=arial,helvetica,sans-serif][size=2]News 13 On Your Side (Panama City Beach, FL)
[/size][/font]
  [font=arial,helvetica,sans-serif][size=2]	    [/size][/font] [font=arial,helvetica,sans-serif][size=2]Wednesday, March 29, 2006[/size][/font]
 [font=arial,helvetica,sans-serif][size=2][size=2]Bay County resident David King is livid.  He just received a letter from his insurance company saying that his homeowners insurance, which expires in July, will not be renewed because of losses during the 2004 hurricane season.[/size][/size][/font]

   [font=arial,helvetica,sans-serif][size=2][size=2][b]"You're supposed to be in good hands with Allstate.[/b] Well, you're not in good hands with any insurance companies," says King.
[/size][/size][/font]

 [font=arial,helvetica,sans-serif][size=2][size=2][url="http://www.wmbb.com/servlet/Satellite?pagename=WMBB/MGArticle/MBB_BasicArticle&c=MGArticle&cid=1137835030547&path="]Full Story[/url]
[/size][/size][/font]

[font=arial,helvetica,sans-serif] Homeowners Insurance 
[/font][font=arial,helvetica,sans-serif]by: Tuquyen Mach (tmach@wmbb.com)[/font] 
 
 [font=arial,helvetica,sans-serif]	 	 		[/font] [font=arial,helvetica,sans-serif]News 13 On Your Side (Panama City Beach, FL) 
[/font] 
 [font=arial,helvetica,sans-serif]	 [/font] [font=arial,helvetica,sans-serif]Wednesday, March 29, 2006[/font] 
 [font=arial,helvetica,sans-serif]Bay County resident David King is livid. He just received a letter from his insurance company saying that his homeowners insurance, which expires in July, will not be renewed because of losses during the 2004 hurricane season.[/font] 
 
 [font=arial,helvetica,sans-serif]&quot;You&#039;re supposed to be in good hands with Allstate. Well, you&#039;re not in good hands with any insurance companies,&quot; says King. 
[/font] 
 
 [font=arial,helvetica,sans-serif]<a href="http://www.wmbb.com/servlet/Satellite?pagename=WMBB/MGArticle/MBB_BasicArticle&amp;c=MGArticle&amp;cid=1137835030547&amp;path=" target="_blank" class="link link--external" rel="nofollow ugc noopener">Full Story</a> 
[/font]

I just heard the news story which I posted above. They mentioned that [b]State Farm was NOT dropping policies[/b] at this time, so maybe I am not hearing the truth on the street.:idontno:

I just heard the news story which I posted above. They mentioned that State Farm was NOT dropping policies at this time, so maybe I am not hearing the truth on the street.:idontno:

Not sure who and who does not insure properties in the areas, but I have been with a number of different carriers over the years and have found Travelers and Encompass are both pretty policy holder-friendly.

Bottom line is, like SJ said, this isn't just Allstate. Every single homeowner's policy in the country is about to go up fairly significantly as a result of Katrina. Certainly doesn't seem fair that someone in say, South Dakota will have to pay more, but that's the way the insurance industry works.

Congress and the White House are always talking about health care reform. What about insurance reform? IMO, it's just about as big of an issue.

Not sure who and who does not insure properties in the areas, but I have been with a number of different carriers over the years and have found Travelers and Encompass are both pretty policy holder-friendly. 
 
Bottom line is, like SJ said, this isn&#039;t just Allstate. Every single homeowner&#039;s policy in the country is about to go up fairly significantly as a result of Katrina. Certainly doesn&#039;t seem fair that someone in say, South Dakota will have to pay more, but that&#039;s the way the insurance industry works. 
 
Congress and the White House are always talking about health care reform. What about insurance reform? IMO, it&#039;s just about as big of an issue.

[QUOTE=Smiling JOe]I just heard the news story which I posted above. They mentioned that [b]State Farm was NOT dropping policies[/b] at this time, so maybe I am not hearing the truth on the street.:idontno:[/QUOTE]

I got a bunch of quotes for property insurance about 2 months ago and State Farm was willing to write a policy for us, but it was much more expensive than anyone else.  They won't write for bay or beach front properties.  (On a Bayou was ok.)  

We currently have Allstate, but expect to get dropped in November.  We were supposed to get dropped last November, but the state prevented it because we had a claim from Dennis.  Which, by the way, was settled very quickly and the adjuster was very helpful.  Of course, although we stayed with Allstate, our rates went through the roof.

<blockquote class="xfBb-quote" data-name="Smiling JOe">I just heard the news story which I posted above. They mentioned that State Farm was NOT dropping policies at this time, so maybe I am not hearing the truth on the street.:idontno:</blockquote> 
I got a bunch of quotes for property insurance about 2 months ago and State Farm was willing to write a policy for us, but it was much more expensive than anyone else. They won&#039;t write for bay or beach front properties. (On a Bayou was ok.) 
 
We currently have Allstate, but expect to get dropped in November. We were supposed to get dropped last November, but the state prevented it because we had a claim from Dennis. Which, by the way, was settled very quickly and the adjuster was very helpful. Of course, although we stayed with Allstate, our rates went through the roof.

Cheering472

I've heard alot of bad stories about Allstate insurance, both auto and homeowners.  I had Allstate years ago and it was a battle to get them to pay a claim.  I had them for 15 years without any claims, then had hail damage and needed a new roof.  They said I had no hail damage. Even I could see it form the driveway, it was a mess. Every house on my court had a new roof after the storm, but my house seemed to have escaped damage?  Guess those hands were sheilding my roof, but not my neighbors. I had a nasty fight with the agency, and had to have an independant contractor decide the claim.  Finally got the roof repaired and soon after I got a new insurance company.

I&#039;ve heard alot of bad stories about Allstate insurance, both auto and homeowners.  I had Allstate years ago and it was a battle to get them to pay a claim.  I had them for 15 years without any claims, then had hail damage and needed a new roof.  They said I had no hail damage. Even I could see it form the driveway, it was a mess. Every house on my court had a new roof after the storm, but my house seemed to have escaped damage?  Guess those hands were sheilding my roof, but not my neighbors. I had a nasty fight with the agency, and had to have an independant contractor decide the claim.  Finally got the roof repaired and soon after I got a new insurance company.

30A Skunkape

Skunky

They all suck.  So many stories of highway robbery here in Louisiana.  The industry lobbyists are lining up their ducks to make it legal to increase rates and provide worse coverage.  There was a good article on the topic in our paper here Sunday.  They mentioned that AAA (the auto club folks) are writing homeowners policies in Louisiana for much less than Allstate, State Farm, etc.  with very friendly service.  Don't know if AAA is doing Florida policies but based upon what I read it would be worth looking into.

They all suck.  So many stories of highway robbery here in Louisiana.  The industry lobbyists are lining up their ducks to make it legal to increase rates and provide worse coverage.  There was a good article on the topic in our paper here Sunday.  They mentioned that AAA (the auto club folks) are writing homeowners policies in Louisiana for much less than Allstate, State Farm, etc.  with very friendly service.  Don&#039;t know if AAA is doing Florida policies but based upon what I read it would be worth looking into.

Just checked-AAA sells homeowner's insurance only in Louisiana and Mississippi on the gulf coast :bang:

Just checked-AAA sells homeowner&#039;s insurance only in Louisiana and Mississippi on the gulf coast :bang:

Cork On the Ocean

directionally challenged

[QUOTE=thompsebby]Just received a notice from Allstate that they are dropping us... we live here... going on 4 years, one & 1/2 mile from the beach... WMBB just broadcast a report saying how Allstate is dropping many policies in FL... is a boycott from the rest of their insurance in order - auto, etc.?[/QUOTE]
 
I boycotted them after the hurricane in Homestead when they dropped 2 of my waterfront homes (one of which was on a controlled level lake). Since I had numerous vehicles and properties with them for 20 years without every having a claim, it really ticked me off and I pulled everything. I will NEVER go back to allstate even if it costs me more money.

<blockquote class="xfBb-quote" data-name="thompsebby">Just received a notice from Allstate that they are dropping us... we live here... going on 4 years, one &amp; 1/2 mile from the beach... WMBB just broadcast a report saying how Allstate is dropping many policies in FL... is a boycott from the rest of their insurance in order - auto, etc.?</blockquote> 
I boycotted them after the hurricane in Homestead when they dropped 2 of my waterfront homes (one of which was on a controlled level lake). Since I had numerous vehicles and properties with them for 20 years without every having a claim, it really ticked me off and I pulled everything. I will NEVER go back to allstate even if it costs me more money.

[QUOTE=SGB]I got a bunch of quotes for property insurance about 2 months ago and State Farm was willing to write a policy for us, but it was much more expensive than anyone else.  They won't write for bay or beach front properties.  (On a Bayou was ok.)  
[/QUOTE]

Several years ago, State Farm broke out their "Florida Insurance Business" from their nation-wide business and called it State Farm Florida Insurance Company (to keep people in Boise, ID from footing the tab of our hurricane damage and us Floridians from footing the tab for...ah...ah...attacks of killer potatoes(?)).  

The new company raised rates substantially and cut their risk by not writing [B]new[/B] policies in certain areas (mostly waterfront).  My premiums were pretty steady for years and years--but in the last 7 years or so, my premium increased SEVERAL HUNDRED percent.  Now the state of Florida is giving insurance companies the rubber stamp to raise rates 25% a pop without having to ask permission.  I pretty much penciled in a yearly 25% home insurance rate increase for many years to come.  (Those who are tallying cashflow analyses of investment properties should also take note.)

<blockquote class="xfBb-quote" data-name="SGB">I got a bunch of quotes for property insurance about 2 months ago and State Farm was willing to write a policy for us, but it was much more expensive than anyone else. They won&#039;t write for bay or beach front properties. (On a Bayou was ok.)</blockquote> 
Several years ago, State Farm broke out their &quot;Florida Insurance Business&quot; from their nation-wide business and called it State Farm Florida Insurance Company (to keep people in Boise, ID from footing the tab of our hurricane damage and us Floridians from footing the tab for...ah...ah...attacks of killer potatoes(?)). 
 
The new company raised rates substantially and cut their risk by not writing new policies in certain areas (mostly waterfront). My premiums were pretty steady for years and years--but in the last 7 years or so, my premium increased SEVERAL HUNDRED percent. Now the state of Florida is giving insurance companies the rubber stamp to raise rates 25% a pop without having to ask permission. I pretty much penciled in a yearly 25% home insurance rate increase for many years to come. (Those who are tallying cashflow analyses of investment properties should also take note.)

TooFarTampa

[QUOTE=SHELLY]Several years ago, State Farm broke out their "Florida Insurance Business" from their nation-wide business and called it State Farm Florida Insurance Company ([B]to keep people in Boise, ID from footing the tab of our hurricane damage and us Floridians from footing the tab for...ah...ah...attacks of killer potatoes[/B](?)).  

The new company raised rates substantially and cut their risk by not writing [B]new[/B] policies in certain areas (mostly waterfront).  My premiums were pretty steady for years and years--but in the last 7 years or so, my premium increased SEVERAL HUNDRED percent.  Now the state of Florida is giving insurance companies the rubber stamp to raise rates 25% a pop without having to ask permission.  I pretty much penciled in a yearly 25% home insurance rate increase for many years to come.  ([B]Those who are tallying cashflow analyses of investment properties should also take note[/B].)[/QUOTE]

Shelly you are funny.  :floor: And in this case at least, on-target too.  :blink:

<blockquote class="xfBb-quote" data-name="SHELLY">Several years ago, State Farm broke out their &quot;Florida Insurance Business&quot; from their nation-wide business and called it State Farm Florida Insurance Company (to keep people in Boise, ID from footing the tab of our hurricane damage and us Floridians from footing the tab for...ah...ah...attacks of killer potatoes(?)). 
 
The new company raised rates substantially and cut their risk by not writing new policies in certain areas (mostly waterfront). My premiums were pretty steady for years and years--but in the last 7 years or so, my premium increased SEVERAL HUNDRED percent. Now the state of Florida is giving insurance companies the rubber stamp to raise rates 25% a pop without having to ask permission. I pretty much penciled in a yearly 25% home insurance rate increase for many years to come. (Those who are tallying cashflow analyses of investment properties should also take note.)</blockquote> 
Shelly you are funny. :floor: And in this case at least, on-target too. :blink:

thompsebby

Beach Comber

Just received a notice from Allstate that they are dropping us... we live here... going on 4 years, one & 1/2 mile from the beach... WMBB just broadcast a report saying how Allstate is dropping many policies in FL... is a boycott from the rest of their insurance in order - auto, etc.?

Just received a notice from Allstate that they are dropping us... we live here... going on 4 years, one &amp; 1/2 mile from the beach... WMBB just broadcast a report saying how Allstate is dropping many policies in FL... is a boycott from the rest of their insurance in order - auto, etc.?

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Cars of 30A At Alys Beach: Event Highlights & Photo Gallery

Sixth annual Run Watersound At Watersound Town Center October 24, 2026

Support Our Parks: The 2026 Friends of Camp Helen Pumpkin Patch Is Open

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