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Old 08-23-2009, 07:49 PM   #16
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house insurance company wants to inspect my house!


I'm not trying to hide anything, but they aren't walking on my roof
And if they want to schedule a time to view my house that's fine too
Time is $$ & I'll charge $400 for the day since I won't be able to work
They can just give me a credit on my insurance
Oh wait, we pay in advance
CASH 1st

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Old 08-23-2009, 07:53 PM   #17
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house insurance company wants to inspect my house!


Well, good luck with that. You do know that Ins. companies pretty much run the world...... If they want to go on your roof, I'm sure they will, and they aren't paying you anything.

Talk big all you want on the net. Won't do you any good when they show up.

As far as not being fair.....well, life isn't fair. We all have to get used to that.
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Old 08-23-2009, 07:58 PM   #18
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house insurance company wants to inspect my house!


And without my permission they will be arrested for tresspassing
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Old 08-23-2009, 07:59 PM   #19
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house insurance company wants to inspect my house!


BTW, if they want to look, they will. If you won't let them, they could go to the mortgage company (who really owns your house) and get it done that way. It's really nothing to mess with.

I wasn't home one day when the inspector came here. He couldn't get in my shop to see the heat source. he had to write up that there was no fire insurance on the shop because he didn't inspect the heat source. I let him in on another day and everything was fine.
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Old 08-23-2009, 08:04 PM   #20
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house insurance company wants to inspect my house!


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Originally Posted by Scuba_Dave View Post
And without my permission they will be arrested for tresspassing
Again, that's all talk. That just wouldn't happen. The mortgage company will give them permission.

This is insurance.......if they have just a slight thought you are hiding something, it probably will be used against you when you need it most.
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Old 08-23-2009, 08:04 PM   #21
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house insurance company wants to inspect my house!


They can look anytime they want, which part of that do you not understand?
But they ARE NOT walking on my roof & possibly damaging it
They can come inside, provided they re-imburse me for lost time/wages

And in my neighborhood strange people walking around a house ARE reported & arrested by the police until its straightened out
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Old 08-23-2009, 09:09 PM   #22
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house insurance company wants to inspect my house!


You can always refuse and risk cancellation since you signed the contract with the provision the last time you renewed. You can always look for a new carrier at that time and hope you can find one suitable. The company is not required to sell you insurance and you have the right to look elsewhere for better rates and conditions. It probably does not address the codes (the worst way to be build and be still be legal) since old installations are grandfathered in unless they are modified.

Since the request was quite specific about the subjects they were interested, it may have come from problems in the same area (city, zip code or state) that have had experienced losses in. If you are O.K., you should be alright except for the K&T plumbing changes since the last inspection. Make sure you have coffee and donuts available for the inspection instead of a gun.The inspectors needs confidence and the insurance company could care less about an argumentative customer that may be hiding something.

As in all business cases, the good buyer is also a good salesman. Make sure you get an appointment to minimize the time (yours and his).

I worked for 5 months after Katrina investigating losses so the owner could get a low interest loan to cover the insurance short-fall. In almost all cases, I saw modifications and alterations that contributed to future losses. Down there the excuse was no codes, inspections and permits for doing amateur work on critical systems.

Some of the people that complained about lack of code enforcement ended up ny "fixing" up the home by spraying the moldy, saturated studs and plates and reinstalling the old wet insulation and did not bother to re-nail with corrosion resistant fasteners.

The free inspection can be a free benfit from an outside independant observer.

Apparently the colonial "live free or die" slogan has spread to adjoining states.

Dick

Last edited by concretemasonry; 08-23-2009 at 09:14 PM.
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Old 08-23-2009, 09:39 PM   #23
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house insurance company wants to inspect my house!


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Originally Posted by Scuba_Dave View Post
They can look anytime they want, which part of that do you not understand?
But they ARE NOT walking on my roof & possibly damaging it
They can come inside, provided they re-imburse me for lost time/wages
Let me know when that happens. I guarantee the two things you state would NEVER happen.

If you won't let them on the roof, they could just say you have no coverage on your roof. Simple as that. Or they'll just cancel you.

Trying to charge for wages....come on, get real.

If they damage your roof, they are the ones insuring it. They are probably the first people on your roof with an actual insurance policy.
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Old 08-23-2009, 09:43 PM   #24
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house insurance company wants to inspect my house!


Just enhancing the advice of KB Sparky (Poster #6). One other possible motive for the desired Home inspection by the Insurance Co. Some property owners fail to maintain their property (which is slightly different than having unknown, potential fire hazards. Especially on a new purchase). Once the Insurance Co. is impressed that you DO take good care of the property, they will not pressure you to do expensive upgrades in a short time. I'm speaking of personal experience. On a property that I once managed. In the beginning the Rep. came by every few days and seemed to be nitpicking. When I asked about the reasoning behind the frequent visits, he told me so himself. Once he was convinced that the property is well maintained, the unannounced and frequent stop-by's ceased immediately!(Now more than ever)Don't Drink and Drive!!!
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Old 08-23-2009, 09:46 PM   #25
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house insurance company wants to inspect my house!


They won't go on my roof ...period...they can rent a bucket truck to look all they want
I already cancelled one insurance company
Buncha idiots
They didn't want to insure the house I bought until after I owned for 6 months
Then they didn't want to insure a 2nd property I purchased
I asked them if they wanted to be my insurance company
Yes
Then insure the house
We'll check
They called back the next day & said they couldn't insure it "right now"
I told them they would receive a call from my new insurance company within the hour to cancel all of my insurance
3 properties, 2 cars, MC, boat
I recd a call from the Supervisor, said they could look into it more
Too late
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Old 08-23-2009, 10:48 PM   #26
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house insurance company wants to inspect my house!


its not a war between home owner & insurance company .. or is it?

i'll let them in when it is convenient to me. that may be in a couple of months on a sunday afternoon. if they don't like that, then bye-bye. i'm not trying to be a pain in the a$$ but neither am i willing to be walked on and kicked (atleast while i am aware of it!).

i have nothing to hide and am confident that the house is in MUCH better shape than they think, its why we bought it in the first place!. but i'm sure they will find something, or a few things; a statement that is likely true about ALL homes including brand new.

so based on their response will decide how to go from there. if they inspect and i get a monster to-do list that seems ridiculous, then bye-bye. if my rates go up without good reason that i can believe in, then bye-bye. if the inspector gives me a hard time about anything, then bye-bye.

if i'm in a bad mood that day, then bye-bye

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Old 08-24-2009, 07:29 AM   #27
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house insurance company wants to inspect my house!


All this fuss and it's not even the tax man!
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Old 08-24-2009, 08:32 AM   #28
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house insurance company wants to inspect my house!


I just got new HO insurance and as a standard practice they inspect every new policy unlike the OP only from the exterior. They were checking the general safety of the house, roof, decks skylights etc. which I can understand. They actually increased the coverage just a titch and applied a discount that was missed when the policy was written.

On the flip side, a co-worker had the same insurance company write a policy for their house. I don't know if they intentionally omitted it during the policy interview or it was never specifically asked, but they neglected to disclose the second story deck off the master bedroom that did not have a railing! The inspection made note of this and in her words "they were dropped like a hot potato." No 30 day to comply which sounded odd to me...but nevertheless, they found a different company and are now insured. I'm guessing if they were to have an accident, they would have some serious 'splain' to do.

The bottom line -- I don't have any problems with the inspections IF everyone is inspected and it helps keep the rates low.
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Old 08-24-2009, 08:44 AM   #29
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house insurance company wants to inspect my house!


The problem with playing hardball with insurance company as regards inspections is that at least as long as you have a mortgage, insurance is a product you must buy, but it is not a product that the insurance company must allow you to buy.
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Old 08-24-2009, 09:59 AM   #30
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house insurance company wants to inspect my house!


Wow, no railing........was it under construction?
So far every house I have bought they have said they will drive by for an external visual inspection

I transposed 2 figures when writing my last payment on a policy once
$65 was due, I paid $56 by mistake
They cancelled my Policy & issued a refund on the remaining policy of maybe $200
I called to find out WTH happened (did not know I transposed). They found the error & apologized & said they would re-instate me. Sorry, I already have new insurance

I've never had a claim on any house, I'm not in a high risk area (wind water etc). The last claim on my truck was from a girl hitting me - her insurance paid. I actually would think a Home Inspection shortly after/before policy is written should almost be required. We have to have our vehicles inspected by Insurance Co here once we have a policy. Renewals does not trigger it. They take pics, of Vin & 4 sides of the car

My last house I had a branch com down & hit the edge of the house, damaged soffit area & some of the roof decking. I needed a new roof anyway, so I never bothered with a claim - less then $500 in damage too.

This house the electric panel had water coming in - I could have claimed that. Instead I had a new panel installed & SE buried

I've never had a problem getting Insurance, even the companies I have cancelled send me info to try to get me back as a customer. Almost 2 decades of payments without a claim? Yeah - they want me

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