Home insurance inspections

[euro]

I object to having a contractor that I have not personally vetted poking around inside my house, so I am going to deny permission in the future. If the underwriter insists, I will cancel the policy.

Good for you!

 

[foxfirev5]

Seen it all. An earlier agent we had did a drive by on our lakehouse and determined it was a prime residence. Meanwhile she also failed to neglect our 16 year old for car insurance. All after repeated contact on our part
Incompetent. Typical insurance agent.

 

[JoeWras]

I've only had this happen once. It was with one of the big companies (can't recall which one, but I think it was GEICO). They used some underwriter based in California and sent out a local guy to look at the property (outside only). He found a couple of cracks in the concrete driveway, and they ended up telling me it had to be fixed before the policy could be issued and gave me 8 days to have it remedied. It was February, and my driveway was frozen over. I asked them how they expected me to repair the driveway within 8 days with a layer of ice and snow on top of it. They did not have any advice but refused to give me more time to deal with the issue. I switched my policy to a different provider. They did have the lowest rate at the time, but not by much, so I wasn't' going to deal with a bunch of knuckleheads

Cracks? What? Were they a severe tripping hazard? This is crazy! A broken driveway wouldn't be claimable anyway.