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Insurance Board- Unannounced Home Inspection
Posted on 8/1/24 at 10:22 pm
Posted on 8/1/24 at 10:22 pm
My MIL got a letter from State Farm saying that they did an exterior inspection of her home and if she doesn’t fix their ‘deficiencies’, (about 8ft rotten fascia on the back side, and a ‘tree’ hanging over the house) weren’t going to renew her policy. She’s been in the house for over 30 years, and I’ve never heard of these inspections occurring before. To my knowledge, she’s only made 1 claim in the last 20 years for a roof, so they’ve definitely gotten their fair share from her.
She just went into a nursing home, and may not be coming home, but even if she does, she may not be able to have these problems remedied. Being that it’s my MIL, and my wife and her have a complicated relationship, we’re not going to fix it- that’s not really part of the question, but I know that it will come up, so I’m just nipping that in the bud.
Anybody else ever had an ‘inspection’ by State Farm before they renew the policy?
She just went into a nursing home, and may not be coming home, but even if she does, she may not be able to have these problems remedied. Being that it’s my MIL, and my wife and her have a complicated relationship, we’re not going to fix it- that’s not really part of the question, but I know that it will come up, so I’m just nipping that in the bud.
Anybody else ever had an ‘inspection’ by State Farm before they renew the policy?
16
Posted on 8/1/24 at 10:23 pm to LSUGUMBO
Not State Farm but my neighbor was told by USAA that she gets a new roof or they would drop her. Not sure if they came out or not to look or just went by age.
Good luck.
Good luck.
Posted on 8/1/24 at 10:27 pm to LSUGUMBO
quote:
Anybody else ever had an ‘inspection’ by State Farm before they renew the policy?
They did almost the exact same thing to my mom. Roof in her case.
They are getting wrecked in liberal states, especially California and by storms recently and have become much bigger douchenuggets about a whole lot of things. Family friends are long time agents and he says underwriters are getting big bonuses for dropping people home and auto.
Posted on 8/1/24 at 10:27 pm to LSUGUMBO
State Farm isn’t the only insurance company that does this and its not really new. Somewhat common for a company to re-inspect a property every few years.
ETA:
quote:Because they don’t contact you if everything was good on inspection. Only if there’s issues needing to be fixed or underwriting wants an interior inspection.
I’ve never heard of these inspections occurring before.
ETA:
quote:This is 100% reasonable. You would expect them to pay the claim if a storm blew that rotten fascia off and water leaked into the house or if the wind made that tree limb fall and puncture the roof.
if she doesn’t fix their ‘deficiencies’, (about 8ft rotten fascia on the back side, and a ‘tree’ hanging over the house) weren’t going to renew her policy
This post was edited on 8/1/24 at 10:31 pm
Posted on 8/1/24 at 10:27 pm to tiger91
quote:
Not State Farm but my neighbor was told by USAA that she gets a new roof or they would drop her. Not sure if they came out or not to look or just went by age.
Trying not to turn into health insurance.
Posted on 8/1/24 at 10:28 pm to LSUGUMBO
quote:
Anybody else ever had an ‘inspection’ by State Farm before they renew the policy?
Standard operating procedure, esp in this hard market.
Posted on 8/1/24 at 10:28 pm to adamau
Perhaps if people didnt scam the companies through public adjuster and plaintiff attorneys, this wouldnt be necessary.
Posted on 8/1/24 at 10:30 pm to LSUGUMBO
Search 'home inspection drones'.
Posted on 8/1/24 at 10:36 pm to LSUGUMBO
I’d be questioning who gave them permission to be on the property. Seems like an easy way to get shot.
Posted on 8/1/24 at 10:38 pm to LSUGUMBO
This is called re-underwriting and is standard. You’re upset they don’t want to pay for repairs that were caused by rotten fascia and a fallen tree limb? Because you’d most definitely be on here bitching if they didn’t cover the loss in a future storm
Posted on 8/1/24 at 10:38 pm to adamau
quote:
Underwriters getting bonuses for dropping
Yeah. Thats not how it works.
Posted on 8/1/24 at 10:39 pm to Allister Fiend
quote:
I’d be questioning who gave them permission to be on the property. Seems like an easy way to get shot.
An insurance policy is a two-way contract. It’s in the document that they have a right to reinspect. I can guarantee a letter was sent out that was trashed
Posted on 8/1/24 at 10:40 pm to Allister Fiend
I’m guessing it’s in the policy
Posted on 8/1/24 at 10:42 pm to lsuwins3
You better make those changes ASAP otherwise State Farm will drop her and your new insurance quote from Citizens will be infinitely more expensive.
Posted on 8/1/24 at 10:42 pm to adamau
quote:
Family friends are long time agents and he says underwriters are getting big bonuses for dropping people home and auto.
No the frick they aren’t
Posted on 8/1/24 at 10:44 pm to lsuwins3
All the crap you clowns are bitching about, as if it’s a new thing, is standard operating procedure for insuring an asset that you don’t want to turn into a liability. How clueless are you frickers with regard to mitigation of risk?
If you’ve owned a home long enough, chances are your insurer has asked you to tighten some shite up.
If you’ve owned a home long enough, chances are your insurer has asked you to tighten some shite up.
Posted on 8/1/24 at 10:45 pm to LSUGUMBO
Buddy of mine just had to trim branches per his insurance instructions. Not sure of the company. Told him via letter to remove the branches that were slightly touching the roof.
This post was edited on 8/2/24 at 7:16 am
Posted on 8/1/24 at 10:45 pm to Tiger Prawn
quote:
This is 100% reasonable. You would expect them to pay the claim if a storm blew that rotten fascia off and water leaked into the house or if the wind made that tree limb fall and puncture the roof.
I’m definitely not saying it’s unreasonable to fix it, I’m more concerned about them coming on the property with no notice, and like I said, I’ve never heard of this happening before. USAA hasn’t ever inspected my home unless I filed a claim, and we’ve been here 16 years. My parents have been with USAA for over 40 years, and I don’t think they’ve ever had an inspection, either.
I kind of figured it was because of the costs/claims they’ve paid out in LA, but an unannounced inspection seems like a good way to get shot at by the wrong homeowner (not my MIL)
Posted on 8/1/24 at 10:48 pm to LSUGUMBO
They do it for a living. And they know how to do so in a way to not get shot. Majority of the time, they don’t even need to step into the property. They just take pics.
Posted on 8/1/24 at 10:49 pm to adamau
quote:
things. Family friends are long time agents and he says underwriters are getting big bonuses for dropping people home and auto
This is not even remotely true.
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