Allstate Drops Wind/Hail Coverage For Some Customers - - The News for South Mississippi

Allstate Drops Wind/Hail Coverage For Some Customers

Jeffrey Simmons will never forget those traumatic moments, when Katrina's floodwaters rushed into his Ocean Springs home.

"I just came in, and grabbed my two dogs," said Simmons. "I spent about 15 minutes making my peace, because I thought I was going to die."

Simmons and his Dachshunds, Badger and Darcy, spent seven hours in the attic.  Badger caught pneumonia that day.

"He always had respiratory problems," Simmons said as his eyes filled with tears. "Because of that, and he died in my arms the day after."

Then came another devastating blow on Simmons' birthday.

"It was the first of July. We got a letter in the mail from Allstate, my carrier," Simmons said.

That letter notified Simmons and his wife that they will no longer be covered for wind or hail damage through Allstate.

"So they're going to cancel our wind, and they never paid us anything for wind," Simmons said. "To me that didn't make any sense. I feel irritated and upset. I know I'm not the only one that this is happening to."

Indeed, Simmons is not alone. An Allstate spokesperson sent this statement to WLOX News: "Allstate will continue to provide wind coverage for customers who carry both homeowners and auto insurance with us and have had those policies in place since November 2005. For policyholders in the six coastal counties who have only homeowners with us, we have begun to renew those policies without the wind and hail coverage. Why are some customers seeing changes in their coverage? We want to be able to better protect as many Allstate customers as possible, and remain a viable company in the state of Mississippi."

Allstate says its agencies will help customers, get wind-hail coverage through the state wind pool. But Simmons fears that will cost too much.

"I hope it doesn't get any worse," he said. "Because I feel like this is going to happen to more people and the more people it happens to, that have to jump in the wind pool, the more it's going to end up costing everybody."

Allstate could not tell us how many policyholders are affected by the changes. The company did say it is not taking on new homeowners business along the six Coastal counties at this time.

By: Trang Pham-Bui

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