Allstate cancelled my homeowners insurance while they were still reviewing the proof they required me to submit

[u/Unlucky_Ad_1283]

I’m curious whether any other Utah homeowners have dealt with something like this.

Allstate inspected our home and gave us a list of things we needed to correct to maintain coverage. Some of the things they cited weren’t even on our property, but I corrected everything within my control, photographed it, and submitted everything Allstate requested on October 6.

I was told underwriting would respond in approximately 48 hours.

That didn’t happen.

When I followed up, Allstate confirmed they had received my photos and appeal. Then the timeframe changed to up to 12 business days.

There was one rather enormous problem with that:

Allstate was cancelling my policy on October 10.

I specifically asked whether they would extend the cancellation date while underwriting reviewed the documentation I had submitted on time.

They said no.

I asked whether they could expedite underwriting.

Again, no.

And at midnight on October 10, Allstate cancelled my homeowners insurance.

They cancelled the policy while their own underwriting department still had not decided whether the corrective work I submitted on October 6 satisfied their requirements.

Fortunately, I wasn’t willing to gamble with having an uninsured house. I obtained replacement coverage through Nationwide, although it costs me about $438 more per year.

It gets better.

Today, October 12 — two days AFTER Allstate cancelled me — I contacted them again.

The representative said my October 6 submission is documented, but there were apparently no further updates until today. The October 12 entry says:

“Proof received and appeal submitted.”

I’m now being told I could wait up to another 10 business days for a decision.

So Allstate cancelled my homeowners policy on October 10, and on October 12 I’m still waiting for them to decide whether I complied with the requirements that were supposed to prevent the cancellation in the first place.

I’ve also had a promised supervisor callback that never happened, a supervisor call that ended unresolved and immediately dumped me into their automated survey, and an Allstate social-media escalation team that directed me elsewhere rather than resolving anything.

I’ve filed a complaint with the Utah Insurance Department and have screenshots/emails documenting the entire timeline.

At this point I genuinely want to know: How is a homeowner supposed to comply with an insurer’s requirements when the insurer cancels the policy before it finishes reviewing the proof of compliance?

[u/No_Toe_8490]

thats wild, cancelling before even looking at the proof you sent on time just screams they wanted you gone anyway

[u/gundam2017]

Yep. platinum insurance tried to do the same. Get an independent insurance agent 

[u/Dear-Examination-507]

All the insurance companies rn:

1) Let's advertise 24/7 on literally every platform

2) Refuse to insure people!

.... ?

4) Profit!

[u/gtfofr]

Hey, I work for a local broker in West Jordan. Let us advocate for you in future situations.. I don’t anticipate our weather will get any better in the coming years and you don’t wanna be left without coverage. DM me