Frequently Asked Questions About Allstate Coverage
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Allstate is one of the most recognized homeowners insurance providers in California. If you live in Los Angeles, your Allstate policy may help pay for restoration costs after water, fire, or mold damage.
At Onsite Pro Restoration, we work directly with Allstate adjusters to document your damage and speed up the claim process so your home can be restored quickly.
Does Allstate Cover Water Damage?
Allstate policies generally cover sudden, accidental water events such as:
Burst pipes and plumbing failures
Water heater or HVAC system leaks
Roof leaks caused by storms or wind
Exclusions may include gradual leaks, ground flooding, or neglect-related damage.
Tip: Always act quickly — Allstate may deny claims if the damage appears to have been ongoing.
File a claim with Allstate.
- Burst pipes & plumbing failures
- Roof leaks from storm damage
- HVAC or water heater malfunctions
Fire and Smoke Damage Coverage with Allstate
Fires and smoke can cause catastrophic loss. With an Allstate homeowners policy, coverage may include:
Smoke odor removal
Fire damage cleanup
Structural repairs after a blaze
Exclusions: arson or neglect-related fire hazards.
Tip: Document both visible fire damage and smoke residue, since both can qualify under your policy.
Allstate Mold Damage Coverage in California
Allstate policies often limit or exclude mold unless caused by a covered water loss (such as a burst pipe). Coverage may include:
Professional mold inspection
Mold removal and remediation
Preventive treatments against recurrence
Exclusions: mold from long-term leaks, poor maintenance, or high humidity.
Yes, if it’s sudden and accidental.
Yes, if the leak was storm-related and sudden.
Yes, most policies include wildfire coverage, but review limits with your agent.
How Onsite Pro Restoration Works with Allstate Policyholders
We are licensed, insured, and available 24/7 in Los Angeles. Our team has extensive experience working with Allstate adjusters to maximize coverage for water, fire, and mold restoration.
Call 818-336-1800 today to schedule an inspection or start your Allstate claim assistance.