Allstate
One of the largest publicly traded personal lines insurers in the U.S. Allstate serves millions of homeowners through a mix of captive and independent agents and has invested heavily in digital claims technology.
Headquarters
Northbrook, Illinois
Claims phone
800-547-8676
Website
www.allstate.comXactimate
Uses Xactimate for estimates
What Allstate is known for
- Second-largest personal lines insurer
- Heavy investment in digital claims tools
- Uses both staff and independent adjusters
Filing a claim with Allstate
Practical tips for restoration professionals working Allstate claims.
Allstate has moved heavily toward virtual inspections using photos and video. If you can, push for an in-person re-inspection with a ladder assist.
Their estimates tend to exclude O&P unless the three-trade rule is met. Build your scope with clear trade breakdowns from day one.
Allstate adjusters often reference their own internal pricing guidelines. Compare every line item against Xactimate regional pricing.
Supplement turnaround can be slow. Document everything with photos, measurements, and manufacturer specs before submitting.
Working with Allstate in Xactimate
Allstate adjusters write their property damage estimates in Xactimate. When you receive their scope, you can import it into Xactimate and run a line-by-line comparison against your own estimate. Focus on missing line items, incorrect quantities, outdated pricing, and omitted code upgrades. If you start with a PDF estimate from Allstate, CapOut can convert it to an ESX file so you can load it directly into Xactimate for comparison.
Common deductible types
Frequently asked questions
Allstate assigns a claim number immediately when you call or file online. They may start with a virtual inspection using photos before sending an adjuster on-site. Keep your own photo documentation and measurements ready for comparison.
Allstate typically applies the three-trade rule, requiring three or more distinct trades on a project before including O&P. Make sure your estimate clearly breaks out each trade involved in the repair scope.
Allstate homeowners policies commonly have a flat deductible between $1,000 and $2,500. In coastal or hail-prone areas, a percentage-based wind/hail deductible may apply, usually 1% to 5% of the dwelling coverage.
Convert your Allstate PDF to ESX
Upload a PDF estimate from Allstate. CapOut processes it and sends it directly to your Xactimate account.
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