Well they have finally pushed me over the edge. A team of Allstate’s finest matter of factly told myself and my homeowner (in more words or less) that their policy language is irrelevent because their company has made a business decision on how to handle “claims like this.” Being Allstate, I felt for the adjusters a bit because even the manager who was present said he wishes he could pay the claim in full. The problem is that Allstate makes these “corporate decisions” to forbid good faith practices, and then throws their adjusters out on the front lines as cannon fodder. To my knowledge, they are the only P&C Company that denies adjusters the capacity to act in favor of the policy when in doubt.
Anyways, all that said. How is it that we allow these P&C Companies to solicit their list of “preferred service providers” without fighting fire with fire in a sense? What if the Independent Contractors of America banded together in a sense and drafted a “preferred service providers” list of our own - complete with the naughty list? Then, posted that list of perferred insurers to our websites - providing an unofficial endorsement of the P&C companies who make good on their obligations to their insured. If anything, it might just stir the pot a bit. Personally, being the Good Samaritan that I am, I’d be ecstatic if I could cost Allstate even one of their lamb to the slaughter policyholders.