Join Early Retirement Today
Reply
 
Thread Tools Search this Thread Display Modes
Question regarding home inspection
Old 11-17-2017, 08:39 AM   #1
Dryer sheet wannabe
 
Join Date: Nov 2015
Location: Boston
Posts: 23
Question regarding home inspection

I have had my homeowners insurance with the same company for a number of years and I do not remember when an inspection was done. My insurance was due this month and I paid it in full last week.

Today, I just received a message stating that an inspector wants to come in, inspect, take some pictures and it wouldn't take long.

Questions

Do I have to let him in?
I have not made any improvements on the house. Will my insurance go up after the inspection, if I have to let him in?
Can't they just look at the outside and do the inspection without coming in?

Looking for feedback.

Thanks
__________________

petestan is offline   Reply With Quote
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!

Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that Early-Retirement.org is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!

Old 11-17-2017, 08:44 AM   #2
gone traveling
 
Join Date: Nov 2011
Location: The Deep South Bay
Posts: 744
Never heard of them having to see the inside, they will do a drive by in every case I’ve seen
__________________

97guns is offline   Reply With Quote
Old 11-17-2017, 08:44 AM   #3
gone traveling
 
Join Date: Nov 2011
Location: The Deep South Bay
Posts: 744
Not sure about having to let them in
97guns is offline   Reply With Quote
Old 11-17-2017, 08:45 AM   #4
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
pb4uski's Avatar
 
Join Date: Nov 2010
Location: Vermont & Sarasota, FL
Posts: 22,736
No you don't have to let him ... but the insurance company doesn't have to insure you either.

Your insurance probably won't change.

No, they need to see inside too.

An organization that I am treasurer of had an inspection recently... they just recommended us adding a fire extinguisher... we agree that it was a good idea and have done it. Easy.
__________________
If something cannot endure laughter.... it cannot endure.
Patience is the art of concealing your impatience.
Slow and steady wins the race.

Retired Jan 2012 at age 56...60/35/5 AA
pb4uski is offline   Reply With Quote
Old 11-17-2017, 08:47 AM   #5
Moderator
Jerry1's Avatar
 
Join Date: Nov 2014
Posts: 2,670
I've never had that happen. In terms of "do you have to let him in" or cooperate in general, it's not like a governmental inspector. You don't have to let him in but they don't need to sell you insurance.

Maybe this is a new thing. Kind of like the monitor they plug into cars. Privacy is dead. However, this could be a good thing. Once they document the condition of your house, they can't say that your issue was not from the event. For example, I'm sure in a flooded kitchen, they could say that the floor was already damaged and try not to pay for it. At least with the inspection, they cannot do that. Of course they're doing it to make sure you have properly taken care of your home and to prevent you from claiming "disrepair" as an insurance matter.
Jerry1 is online now   Reply With Quote
Old 11-17-2017, 08:48 AM   #6
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Amethyst's Avatar
 
Join Date: Dec 2008
Posts: 7,654
We just went through this with our insurance company. It is not like a home inspection for sale. They want pictures of your interior finishes (so they know what replacement value to assign) and of the exterior (so they know the condition of your roof, type of shingles etc.) They want to know how many bathrooms you have and what type of heating, water system, etc.

You certainly have the right to refuse entry to your home, but the company has the right to drop you as a customer if you don't comply. Insurance companies are tough suckers and they mean business.

It could end up costing you more, or saving you money. For example, we get a discount b/c our roof is newer and uses upgraded shingles. At some point, that discount will age off.

Nobody told us we needed to do anything to our house. That may be because we keep it in good shape.

Quote:
Originally Posted by petestan View Post
I have had my homeowners insurance with the same company for a number of years and I do not remember when an inspection was done. My insurance was due this month and I paid it in full last week.

Today, I just received a message stating that an inspector wants to come in, inspect, take some pictures and it wouldn't take long.

Questions

Do I have to let him in?
I have not made any improvements on the house. Will my insurance go up after the inspection, if I have to let him in?
Can't they just look at the outside and do the inspection without coming in?

Looking for feedback.

Thanks
__________________
If you understood everything I say, you'd be me ~ Miles Davis
'There is only one success Ė to be able to spend your life in your own way.í Christopher Morley.
Amethyst is offline   Reply With Quote
Old 11-18-2017, 07:00 AM   #7
Thinks s/he gets paid by the post
 
Join Date: Jan 2007
Posts: 1,031
We also had never heard of these pop-up inspections. Last summer at FILís house a third party hired by the insurance company showed up, took photos (outside) and sent a list of things that needed to be repaired and some stuff sitting around the barns that the wanted moved. My DH spent a week completing the list and some things beyond the list and spoke to the third party to report in. Then they asked for photos to be sent to them of a different area of the outside yard. Photos were sent. They made noises like they still werenít satisfied, but by this time we were on a trip and couldnít revisit to do anything further, so FIL went down the street to a different insurer with identical coverages and saved some money in the process.
__________________
Kindest regards.
spncity is offline   Reply With Quote
Old 11-18-2017, 07:18 AM   #8
Thinks s/he gets paid by the post
JoeWras's Avatar
 
Join Date: Sep 2012
Posts: 4,607
I switched to Amica 3 years ago. They didn't personally inspect. They used pictures from google earth and street view, along with the real estate records, and of course the answers to many questions.

I got a friend at work to switch, and they sent out someone to inspect his house at new policy issuance time. The inspection consisted of a quick walk around outside, and a tiny fast peek inside, 2 minutes worth.

I don't know why the difference, except perhaps the difference in general price in the neighborhoods? Or maybe his answers to his questions.
JoeWras is offline   Reply With Quote
Old 11-18-2017, 08:52 AM   #9
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Sunset's Avatar
 
Join Date: Jul 2014
Location: Spending the Kids Inheritance and living in Chicago
Posts: 7,212
We switched ins companies for the house, and they did an outside inspection, gave me a short list of things to fix (like add a railing on deck), and then send photos to show it was done.

They never asked for inside view, but it's not like we have upscale stuff like granite countertops, or leather walls, etc.
Sunset is offline   Reply With Quote
Old 11-18-2017, 09:21 AM   #10
Thinks s/he gets paid by the post
Car-Guy's Avatar
 
Join Date: Aug 2013
Location: Citizen of Texas
Posts: 3,329
Multiple homes and have never had an insurance company even ask to come inside. Not going to happen!
Car-Guy is online now   Reply With Quote
Old 11-18-2017, 07:25 PM   #11
Thinks s/he gets paid by the post
Scrapr's Avatar
 
Join Date: May 2005
Location: Bend
Posts: 1,015
Quote:
Originally Posted by Sunset View Post
They never asked for inside view, but it's not like we have upscale stuff like granite countertops, or leather walls, etc.
Leather walls? Tell me more! Is it fine Corinthian leather?
Scrapr is offline   Reply With Quote
Old 11-19-2017, 03:23 AM   #12
Thinks s/he gets paid by the post
Dash man's Avatar
 
Join Date: Mar 2013
Location: Limerick
Posts: 2,383
USAA sent someone to inspect our home a few years ago. They called ahead to make an appointment and it only took a few minutes. The rebuild cost of our home did go up and our policy did have a small increase. They didnít tell us we needed to do anything since we do keep it in good shape.
Dash man is offline   Reply With Quote
Old 11-19-2017, 06:43 AM   #13
Recycles dryer sheets
 
Join Date: Aug 2017
Location: claremont
Posts: 145
One of the rooms in the castle in Asheville NC has leather wall treatments.
indiajust is offline   Reply With Quote
Old 11-19-2017, 07:52 AM   #14
Thinks s/he gets paid by the post
 
Join Date: Dec 2015
Posts: 1,960
I once removed a rotting railing from a small porch that had a 3 1/2 foot drop off of it. Once the railing was gone, I decided I liked the view much better without it.
Very soon after that I got a call from the INSCO, saying I needed to replace the railing, soon, and to call them once I did.
They must have spotted it on a drive-by inspection. They hadn't told me they were coming by, they just must do this every once in a while.
I didn't even know I was being watched.
HadEnuff is offline   Reply With Quote
Old 11-19-2017, 10:57 AM   #15
Thinks s/he gets paid by the post
Cobra9777's Avatar
 
Join Date: Jul 2012
Location: Texas
Posts: 1,908
My premium went down recently after an outside inspection. I wasn't there and didn't even know they were coming. When I originally got the policy, I reported the exterior as masonry. Evidently, the inspector "downgraded" it to 50% masonry veneer. The second level siding is cedar board and batten. Reduction wasn't much, but I'll take it. Many years ago, we had an insurance inspector request that we trim tree branches near the chimney.

We've never had an inspector request to come inside. A lot of houses on sites like Zillow now have interior photos from a prior sale. This will give a good idea if the kitchen is custom or builder's grade, etc. We bought a rental house a few years ago and I called our insurance company to initiate coverage. While we were on the phone, the agent pulled up the listing photos on realtor.com and helped me answer all the questions. He also asked about the home inspection and if the seller made repairs or concessions as a result. They never sent an inspector that I'm aware of.
__________________
Retired at 52 in July 2013. On to better things...
AA: 55% stock, 15% real estate, 27% bonds, 3% cash
WR: 2.7% SI: 2 pensions, some rental income, SS later
Cobra9777 is offline   Reply With Quote
Old 11-19-2017, 02:00 PM   #16
Thinks s/he gets paid by the post
 
Join Date: Dec 2014
Location: Florence, AL/Helen, GA
Posts: 3,619
When I moved into a new to us house last year, our insurance company did a drive by inspection to (1) make sure it was not a dump and (2) to look at the condition of our roof and gutters. I assume they wanted to also verify if any trees or limbs were touching the house.

I have since realized they are obsessed with doors after getting hit with so many hail claims. They sent another letter saying another inspector may be coming out and verified how much they would pay if our roof had comprehensive claims made.

I ha e nothing to hide. Bring them on.
__________________

Bamaman is offline   Reply With Quote
Reply


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Credit after home inspection: Does this affect broker commission? MrLoco FIRE and Money 18 08-17-2015 09:23 PM
Crotchal Area Inspection RonBoyd Other topics 52 11-01-2010 09:07 AM
The Value of a Home Inspection kumquat Other topics 27 09-01-2010 01:09 PM
Nude sunbather for the surfer's inspection... Nords Other topics 7 03-27-2007 08:44 AM

» Quick Links

 
All times are GMT -6. The time now is 06:59 AM.
 
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2019, vBulletin Solutions, Inc.