Insurance Inspections

Discussion in 'What's On Your Mind?' started by KrazyKat, Jul 21, 2011.

  1. KrazyKat

    KrazyKat Original Member

    Uninvited home "inspectors?" I recently changed insurers. To my and my agent's surprise, new photos of the (improved) exterior of the home were suddenly deemed inadequate and I will be subjected to "random" inspection. I have demanded to know who and why, and in the meantime no one has permission to enter. Any thoughts?
     
    Lisa Simeone likes this.
  2. Lisa Simeone

    Lisa Simeone Original Member

    KrazyKat, whoa, this is weird. What does the fine print on your policy actually say (I know, who can make sense of that stuff)? I don't see how anyone -- except our militarized police -- can compel you to let them into your house.
     
  3. N965VJ

    N965VJ Original Member

    I'm not sure if I understand; is it the interior or exterior they wish to see? My agent needed to have someone physically visit a property when the policy was updated. A non-issue in my view...
     
  4. KrazyKat

    KrazyKat Original Member

    My agent didn't need it, and my policy was essentially the same as I had, with new photos verifying. Maybe I'll have my wife run around and spruce up the yard and path for the "surprise" visit. Oh yeah, no wife. Feels like the financial system gestapo to me. Comments from the builder vigilantes out there? I say you're never safe from the Spanish inquisition or the thugs let loose to steal from you while they "inspect".
     
  5. KrazyKat

    KrazyKat Original Member

    That's the thing: my agent didn't need it, and my policy was essentially the same as I had, with new photos verifying. Feels like the financial system gestapo to me, on an inspection of convenience they're driving five hours RT for, from the big Federal city up the highway. What do you say, Celtic? I say you're never safe from the Spanish inquisition or the THUGS let loose to STEAL from you while they "inspect".
     
  6. FetePerfection

    FetePerfection Founding Member Coach

    So if it is the financial system gestapo why aren't they after Chrysler for the 1.3 billon dollar taxpayer loss? Priorities in this country are completely screwed up.

    http://money.cnn.com/2011/07/21/autos/chrysler_government_exit/index.htm?cnn=yes&hpt=hp_t2

    Sorry for being off-topic - I'm a little...okay a lot... livid today!
     
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  7. KrazyKat

    KrazyKat Original Member

    I was assured it's a random inspection.:td:
    Predation is more like it.
     
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  8. Doober

    Doober Original Member

    Although I, too, had to allow an inspection when I changed home/car insurers, there was nothing about random inspections. However, years and years ago, I recall a neighbor in the town I then lived in, telling me a representative from his insurance company apparently had come to their house for an exterior inspection, because they got a letter telling them to fix the sidewalk uplifted from the roots of a tree planted by the town. IIRC, it took the homeowner so long to negotiate with the town over removing the tree, which had to be done before the sidewalk could be fixed, that the insurance company kept threatening to cancel the policy.

    They cannot do random inspections of the inside of your house.

    I once chased a person from my township off my property as he was trying to take a picture of the house. Allegedly, they were doing this to help firefighters/rescue services to locate properties when they are on a call.

    First of all, a great number of houses, including mine, are far off the main road and can't be seen from the road. Secondly, the township in which I live provides only secondary fire/rescue services. My services come from an adjacent incorporated borough.

    I now have a sign on the gate that reads: "Beyond this gate, there be monsters. Do not enter."

    It works. :D
     
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  9. Mike

    Mike Founding Member Coach

    As Doober says, it's probably just an exterior drive-by. I once had to rebuild my front steps as a result of one.

    I also once had a policy on a rental property canceled that way. I ended up with a much cheaper policy from a different insurer. :)
     
  10. FriendlySkies

    FriendlySkies Member

    Win-Win?
     
  11. KrazyKat

    KrazyKat Original Member

    "To help us ensure your home is properly...valued, we have requested an independent home inspection service give us a report on your home...[which] involves an exterior viewing...and the taking of photographs from all sides of your home and property."

    I have already provided photographs. An inpection is generally involved in sale, is it not? Except my home isn't for sale, unless the banksters have some plans I'm not aware of. I've already changed policies twice to avoid insider- and self-dealing, but there is no escape from the massive fraud being perpetrated on Americans right now. Since I'm unemployed I'm a easy mark. I think I'll put signs in all my windows "HOME NOT FOR SALE".
     
  12. Doober

    Doober Original Member

    Your home could be a palace on the outside and a pigsty on the inside, so what does taking pictures of the outside accomplish?
     
  13. KrazyKat

    KrazyKat Original Member

    Uh, what part of "NOT FOR SALE" is not understood? How is a home inspection ordered without my permission? I don't give a rat's cojones about dressing up my home for thieves in a down market. This is for insurance, as in rebuilding. Why is the insurance company valuing my property AT ALL when my agent didn't request it?
     
  14. Doober

    Doober Original Member

    I admit I was thinking "assessment" when I made my post. The insurance company has to determine a value in order to insure it for rebuilding and that value is determined by the square footage. Normally, I think they just measure the outside of the house for insurance purposes. Why they would need pictures is beyond me.
     
  15. KrazyKat

    KrazyKat Original Member

    Inspections are ordered by buyers and my home is not for sale.
     
  16. Doober

    Doober Original Member

    Selling or not selling your house has absolutely nothing to do with this issue, KrazyKat.

    You are asking for an insurance company to undertake the responsibility of insuring your home. In the case of the company you chose, they need to inspect your home in order to have a baseline from which to resolve any potential claims. If you refuse them access, they will refuse you coverage, rightly so.

    If you want to be without insurance, then by all means don't let them on your property.

    Have they asked you about any dogs that you might own and the breed? Have they asked to see copies of all permits for improvements you might have made to your home? Have they asked for copies of the COs that were issued when that work was done? If not, consider yourself lucky that they only want to see the outside of your home.
     
  17. KrazyKat

    KrazyKat Original Member

    If I don't want to be searched then I don't have to fly, I mean be insured.
    I brought all the permit info and photos to the agent and he didn't need anything else. Someone else ordered an inspection. Who? Inspections are not random. I'm in bad financial shape b/c of income shock, not b/c of "too much house."
    Anyone who believes there is not deliberate predation and home theft going on in this country right now is either a benefactor of others' distress or paying no attention. Well-off sheep or mutton butchers. I realize discussion of the evil of the financial/insurance system belongs on another site, or at least another forum, but for those of us who have been repeatedly abused and are sensitive to threat, the parallels regarding uninvited random searches are not hard to draw. I'll show my house or my body when I choose, not when someone else does. The insurance company doesn't need anything from me except permission, which is not granted until I get some answers at minimum.
     

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