Switching to USAA homeowners with no inspection

Did you let them know the age of the roof, home, ac, etc?
It’s up to them if you disclosed all of that info before.

No experience with USAA, but almost every carrier I’ve worked with over the years has always done inspections on the back end after the policy is written. In LA, the insurer can issue a cancellation for inspection issues within the first 60 days of the new policy term if the inspection shows that the condition/features of the property didn’t meet their underwriting criteria.

Depending on carrier, they may or may not do an interior inspection. For exterior only inspections, you usually never know they were there unless there was an underwriting issue with existing damage, liability hazards, or roof condition

Yes, I disclosed the age of the roof as close as I know it to be. It was replaced over a decade before we bought the house so I only know it is 19-20 years old.

It would definitely suck if they cancelled my policy after the write it as that would make it difficult to get back to my old insurance co. That seems like a shady practice to write the policy and then inspect and cancel.

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Yes, I disclosed the age of the roof as close as I know it to be. It was replaced over a decade before we bought the house so I only know it is 19-20 years old.

It would definitely suck if they cancelled my policy after the write it as that would make it difficult to get back to my old insurance co. That seems like a shady practice to write the policy and then inspect and cancel.

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Even if you accurately disclosed the age, there's still going to be an expectation that the roof is in good, sound condition. 20 years is pretty old for a roof in Louisiana, but not all 20 year old roofs are going to wear down equally over the same amount of time. One 20 year old roof may be well past due for replacement while another 20 year old roof may still have 5-7 years of useful life expectancy left.

If you look at your roof and know it looks shot and that you need to change it, don't be surprised if an insurance underwriter thinks the same. If you think its still got some life left and insurance company thinks its questionable, ask the underwriter if you can have a licensed roofer provide an inspection and statement as to the condition and expected life remaining. Every company is different though, some are stricter and some more lenient on what's considered acceptable condition or not.

If you want to play it safe, just wait a little while to cancel the old policy if you haven't already cancelled it.

Most don't require that they inspect before coverage is in place. But they'll inspect within their legal right to terminate the policy (usually 60 days from inception but not sure on LA) and send you a cancellation if they decide they don't want to keep the policy.

They required a virtual inspection of ours to determine accurate rebuild costs. If anyone came out and did an exterior look over, we didn't know about it.

Only time I've ever seen a USAA inspector/adjuster is when they sent one out to my parents' house after the hurricanes...and did a horrible job. 2nd one was much better at understanding things.

Just switched on 12/23 and my agent never mentioned anything about an inspection. Guy showed up yesterday. I would of never know he was here but I just happened to be home. Not USAA

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Only time I've ever seen a USAA inspector/adjuster is when they sent one out to my parents' house after the hurricanes...and did a horrible job. 2nd one was much better at understanding things.

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That’s because after disasters they (and all companies) use independent adjusters who have 30 other properties to adjust that day so they’re rushing, tired, and aggravated. The second one was a reinspection which usually, for USAA, is taken much more seriously.

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So what happens if you have a claim in the 60 day period after they’ve written the policy but before they send out someone to inspect?

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They’re still obligated to pay it, unless they can prove some sort of intentional misrepresentation on the application (ie. Blatantly lying about age of house or roof, pre-existing damage, etc)