Homeowners Insurance Made Easy

Certain losses aren’t covered by homeowners insurance:

· Breakdowns in the home: most homeowners insurance policies do not cover basic maintenance repairs. Your coverage doesn’t serve as a substitute for having your heating, cooling and plumbing systems regularly serviced.

· Floods, earthquakes and water backup: typically, floods, earthquakes and water (sewer) backups are excluded from most homeowners insurance.

However, there are optional coverages that may be purchased as add-ons to an Allstate policy*

• Extended coverage on jewelry, watches and furs: Increases limits for jewelry, watches and furs

• Scheduled Personal and Property: Increased limits for personal property such as jewelry, cameras, antiques, recreational equipment and more

• Identity Theft Restoration: If your identity gets stolen, this coverage can help with legal work, phone calls and lost wages

• Water Backup: Helps cover damage in your home from backed up

drains or broken sump pumps

• Increased coverage on business property: Protects items you’re keeping in your home as business samples or for sale

*coverages may not be available in all states and limits may vary

Filing a Claim

You can file a claim in one of three ways:
1. Call 1-800-ALLSTATE (1-800-255-7828)
2. Log on to your account at Allstate.com

3. Call Johanna James at 610-584-6888

Then what?

The Allstate claim process will vary based on the extent of damage. Here’s the typical process:

Step 1: If needed, we can provide referrals for assistance with temporary repairs such as boarding up windows

Step 2: We’ll evaluate damages and prepare an estimate

Step 3: Your Allstate claim representative will go over your policy with you to explain which coverages and limits apply

Step 4: Where available, you can choose an Allstate-recommended repair vendor and have the workmanship guaranteed by the vendor. Or you can choose your ow

n vendor.

Step 5: We wrap up your claim by answering any questions you may have an provide you with payment when appropriate

What to do in case of a catastrophe

A catastrophe can impact many homes in an area all at once. When this occurs, a dedicated Allstate team will be dispatched to the site to make sure your claim is handled as quickly as possible. Call 1-800-54-STORM (1-800-547-8676)

FAQ’s

What if I don’t have all the information to file a claim?
Calling Allstate as soon as possible can help speed up the claim process. Even if you don’t have all the information, you can always provide us with additional details later.

What else can I do to speed up the claim process?
Taking an inventory of your belongings before anything happens can be very useful in verifying what you have an what it’s worth. To help you, you can download free inventory software from Allstate.com/homeinventory

My repair person has found additional damage from the loss that wasn’t on the initial estimate. What do I do?
Once the repair process begins, further damages could be found. If this happens, call your Allstate claim representative, who will arrange to investigate the newly found damages. Sometimes there’s no need for us to physically inspect the damage and an additional payment, up to the policy limit , can be issued right away.

What if I don’t agree with the estimate I received?When you disagree with our evaluation of damages, please contact your Allstate claim representative or your Allstate agent. Our commitment is to always settle claims as fairly as possible.

Why does the check I received from Allstate include the name of my mortgage holder?
If you have a mortgage on your property, the mortgage holder is usually included on your policy along with your name. Most mortgage companies require that claims payment checks include the name(s) of the mortgage holder(s). Simply contact your mortgage holder to find out how to obtain their endorsement on the check.

Johanna James

Allstate Agent

610-584-6888

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