The piece of paper Allstate gives you; is just that. A piece of paper. Get insurance from a company that follows the insurance laws and actually protects the customers who contract them for insurance. Our home was destroyed because we thought we were in good hands, and having never made a claim- were naive enough to believe Allstate when they said they where covering it, before, after, the day after their adjuster did a 5 hour estimate workup, and two days after that-
when they told us they where covering it.
Then Shaun Bowen our adjuster who originally said he'd have the total that night, and we should set up direct deposit and we'll be paid immediately so we can fix our exterior before cold weather. Then the day after, said he was still working on it and he'd have the total that night or the day after.
went on vacation until September 11th and Christopher Peterson dodged our claim saying it wouldn't be paid. His excuse was "if it was intentional damage to property, and not poor contractors- you should have a police report" well the police detective has asked us now twice for the estimates of damage by our "insurance" company so they can finish the report. Twice. 6 calls by my wife and I to Allstate and now Marcelo Diaz of Allstate, knowing this- refuses to even share that number.
Instead, Marcello says now they never do assessments or estimates until a claim is approved. A fallacy contradicted by the voicemail from the adjuster who was doing "you're approved so I'll be doing an assessment on the spot, and going to calculate the total as quick as possible so you can get payment for your claim and begin getting back to normal right away"
That's the response from Allstate that gave priority to balancing our family day off- to play with our 7 month old son, with letting Allstate into our home where they measured and itemized damage for 5 hours!
...Allstate is attempting to set arbitrary loopholes, and then actively interfere with our ability to satiate their ridiculous red tape.
Yet after all that, they leave us not restored, instead further depleted by what ,retroactively, is a conniving scheme of trickery to gain access to our home to document and limit the amount of any potential future claim of our home. Worse, when we bought our home- our insurance agent, Olivia, assured us this was the best policy, offering complete peace of mind and coverage against loss to our life investment. It wasn't by any means the most economical policy, but she explained the difference is- if you ever have to make a claim- "that's where the difference is. It's ALLSTATE, you don't have to fight us or hunt is down- we restore you immediatley"
so we paid a premium, because a bargain lifeboat isn't much better than no lifeboat if it has leaks. We've always made our payments on time, and though it sometimes felt like a part of our mortgage going down the drain- we stayed because we couldn't imagine what we'd do if we actually needed it, and had gone with a less "trusted" insurer.
We'll be suing Allstate (NYSE:ALL). The damage the insulation guys did, who were unhappy about us holding them to their contract of service and work, when they tried to cut corners- they did after we sat down with the principle of their company, and pointed out what they said they where going to do vs. the material and steps they skipped on. They weren't going to be paid until they did the work they said they would.
So the next day, they pantomimed doing the caulking and air sealing as my wife and I left for work. When we got home, found they had never finished caulking that same first window, and instead just sawed our house into pieces-
the nature of this is so egregious, that even our village inspector has launched a suit against the contractor for the blatant malicious criminal damage they did to our historic home. That money goes to the village though, our homeowners insurance would have to fix our home and then they (Allstate) would be able to go after the contractor and their fly by night insurer.
(They where supposed to be working in the third floor attic)- the last day(we fired them on the spot): they sawed 50 large holes through our original old wood redwood heartwood exterior on the first floor and sawed 60 holes, many 16ft^2 through our third floor, original Lathe and Plaster...to the Attic they had already "finished"
Oh yeah and we have recordings of Allstate (on 4 occasions) confirming we had coverage and they would be restoring us and our home under our coverage. Both before and two days after the Allstate adjuster and his ladder safety technician roof inspector spent 5hrs in our home calculating damages and taking measurments.
Allstate- All that's Stated is All lies. That's Allstate. "You're in the greedy palm of malfeasant hands. That's Allstate's stance.™"
- Loyola University ChicagoAssistant Professor of Marketing, 2012 - present
- Northern Illinois UniversityAssistant Professor of Interactive Marketing, 2012 - 2012
Lauren is an assistant professor of Digital Marketing at Loyola University Chicago. She completed her Ph.D. in Marketing at the University of Massachusetts Amherst (2010) and holds a master’s degree in Digital Media Studies from the University of Denver. Before pursing her doctorate she held the position of Director of Database Systems and Multimedia Communications at the Isenberg School of Management, UMass Amherst, and provided Internet marketing consulting to small businesses, primarily in the area of web design and search engine marketing.
Her research interests include interactive / digital marketing, social media, consumer information management, sensory marketing, and branding.
Dr. Labrecque has presented her research at academic conferences including the American Marketing Association; Academy of Marketing Science, Association for Consumer Research, Society for Consumer Psychology, Public Policy and Marketing Conference, and Society for Marketing Advances. Her research is published or forthcoming at the Journal of the Academy of Marketing Science, Journal of Retailing, Journal of Interactive Marketing, Marketing Letters,Journal of Brand Management, Journal of Consumer Affairs, and Journal of Advertising Education.
- University of Massachusetts, AmherstMarketing, Ph.D.
- University of DenverDigital Media, M.A.
- American University of Paris
- Parsons School of Design
- Worcester State University
- www.laurenlabrecque.com (current)