No a covered peril by any property insurance provider.

Now, if a rodent chews up your auto wiring, that is a comprehensive claim.

Recently had a bad experience with them. December I went sideways in a very deep and wide rut, well lots of damage occurred entire driver's side is scratched dented step rail bent up rear bummer bent up dents and scratches on passenger side, leaks scrape plates bent camper shell scraped and more.... filed a claim they said they would send someone to come take a look at the damage. Never got that call. Instead got atiny check. Come to find out an adjuster person randomly showed up one day didn't ring the doorbell nothing just took pics of the body damage left. Didn't take pics of the undercarriage. They said i have to take it to a body shop and mechanics for supplemental claims and pics.
Between my health issues and kids schedules I haven't had time and seems like more hassle than anything.

Have had State Farm since 1966. My father owned a auto body shop. Most jobs he would wait until the check came before starting a job.
If the auto owner had State Farm, he would just order the parts and go for it. Never considered not being paid.
Roy

I've had good luck with State Farm. That's after, a fire, a tornado, and a hail storm that needed a new roof on three buildings. The only comment from the adjuster was "That's what you have insurance for."

Well, last night I called the Allstate manager of the adjuster that called me and left a message. You know, he didn't even have the common decency to call me back. He had some crony call me. When I asked for the manager I called, he said,"he's busy and told me to handle this". He then just parroted what the guy last night said. That was it. Filed complaints with the PA Attorney General's office, the BBB and Pa Department of insurance this morning. Also began the search for new insurance. I have a broker looking into it now.

Here's the draft letter I sent. I had to cut it short for the BBB and PA department of insurance. You can only have 2000 characters, but the Attorney General got the entire thing. To be realistic, I doubt anything will come of this. I'm pretty sure they will side with Allstate and tell me to get a contractor estimate for a repair, but it's worth a try, I suppose.

Roughly 5 weeks ago I sustained wind damage to my roof. This has been an ongoing problem for the past few years and I have been paying for repairs out of pocket. However, this past incident I had water leaks in the upstairs bath, the attic and the guest bedroom closet. I finally decided to file a claim with my homeowners insurance. I contacted Allstate and told them about the issues (claim number xxx xxx xxxx) I was told it would be two weeks before an inspector could get to me. I made that appointment and two weeks later, after spending the day waiting, no inspector ever came. I called Allstate the next day and was told they had to make yet another appointment and it would be another week. Finally, the inspector came, took pictures and inspected the roof. I also showed the inspector the water damage and where the water was coming in from. During the three week wait for this inspector, I once again paid for repairs out of pocket to mitigate any more water damage. I also called contractors and received an estimate for a new roof. Water has been getting under the tar paper and shingles and coming into the home. That will need replaced since the underlayment will be saturated and will not be able to dry properly. This is black mold issue. Finally I was contacted by Allstate yesterday. They want me to get an estimate for a contractor to replace 11 shingles. They said they would pay if any other damage is discovered during the repair. Since the inspector came a week and a half ago, I have since found even more shingles in the yard that have just blown off the roof. With all of the storm damage in my area, getting a contractor to come and give me an estimate for 11 shingles is not really going to happen. I will be wasting their time and my time. The time frame I’m looking at for a new roof is June at the earliest and could be as late as September. That’s the earliest the roofers can accommodate me, they have no time for such a bogus exercise in futility. I told the Allstate representative they could send someone else out and they refused. What was the inspector, for whom I waited weeks, even for? As far as I’m concerned, Allstate is trying to curb there expense of storm damage in the area at my expense. This amounts to fraud in my opinion. Had they offered to pay for 50% or 75% of the replacement cost, I would have been fine with that. I see no reason to get greedy nor did I expect Allstate to pay for an entire replacement. However, they are steadfast in their “policy” and refuse to properly fix this issue and honor this claim. Why did they sell me a fraudulent homeowners policy? I tried to contact a manager at Allstate and he did not even have the decency to call me back. Some subordinate called me and just parroted what the first adjuster told me. I have gotten nowhere and consider this entire ordeal an insult to my family and my property. In the roughly 12 years we have owned this home, Allstate has always been paid on time amounting to thousands of dollars and I have never filed a claim with them before.

It's always best to get the contractor and the adjuster out at the same time to assess the damages. When I advised that to my insureds, there were seldom any problems. There is nothing worse than an adjuster writing his estimate only later to have the contractors say they can't do the work based on the adjuster's estimate. When they meet together they can usually fairly estimate the damages and come to an agreed price.

We were with American Family for 36 years. A few claims over the years, but rest assured, they made plenty $ from of us. It had been 8-10 years since a claim. Last renewal notice included a 40% increase in the homeowners policy. In total our property, vehicle and toy insurance was going to be about $750.00 a month. Changed to Missouri Farm Bureau and cut the premium by a third with the same coverage. I've come to realize that loyalty does not matter anymore in every aspect of life. American Family is still sending " come back" letters. Going to sell two of our old vehicles as the increased property taxes and insurance became ridiculous in relation to their true value. Used to be driving a beater was a money saver.

I have Travelers ins thru an independent agent. Baseball size hail storm last year and they paid for a new roof for my home and barn. Also got the leaf guard gutters replaced. I had to stay on them and it took a couple months before I got all that was due to me. It’s a game to them. They try to wear you down by not returning phone calls. I’ve seen absolutely no advantage to staying with the same company. I believe you pay more by staying with the same company for years rather than switching from time time.

We have Erie on our autos and Homes and never had a problem with them.

You find out how good your insurance carrier is.....when you file a claim

To my knowledge, PA does not have arbitration. Secondly, I do not understand this sentence, can you elaborate?

Tried a PM Said you were over your limit.

I had storm damage to a vehicle trees fell on it. The body shop said they would never accept another claim from that company again.

Allstate e-mailed me a survey link wanting to know how my claim is going and how satisfied I am..... LMAO! Guess how that went! By the way, I dropped them today, effective Sunday at 11:59pm

My wife thinks that all these insurance companies took a beating with covid 19 paying out all the life policies & are now trying to recoup monies, Trying to save on anything they can. On the phone again today with State Farm, Aside from the rot & rodent damage, They do not want to cover the replacement cost of my 12 x 24 deck. We have been with them over 19 years and never had a claim.