- My Forums
- Tiger Rant
- LSU Recruiting
- SEC Rant
- Saints Talk
- Pelicans Talk
- More Sports Board
- Fantasy Sports
- Golf Board
- Soccer Board
- O-T Lounge
- Tech Board
- Home/Garden Board
- Outdoor Board
- Health/Fitness Board
- Movie/TV Board
- Book Board
- Music Board
- Political Talk
- Money Talk
- Fark Board
- Gaming Board
- Travel Board
- Food/Drink Board
- Ticket Exchange
- TD Help Board
Customize My Forums- View All Forums
- Show Left Links
- Topic Sort Options
- Trending Topics
- Recent Topics
- Active Topics
Started By
Message
1
Posted on 8/1/24 at 10:51 pm to The Goat
quote:
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.
It’s on the back side- I had no idea it was even there. They definitely went on someone’s property to see it.
Posted on 8/1/24 at 10:51 pm to The Goat
quote:
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.
I have never heard of it before after insurance begins. Do they just not contact owner if everything is fine?
Posted on 8/1/24 at 10:52 pm to LSUGUMBO
FYI, the tree they probably saw from aerial imagery and that triggered a drone or physical inspection or maybe it popped on a random draw.
Posted on 8/1/24 at 10:54 pm to dallastigers
[quote]Do they not contact owner if everything is fine[/quote
Correct. They did it to me once. They did not like the fact that I had 3 steps coming up to my main door and no handrails. Told me to put up handrails or they would drop.
Correct. They did it to me once. They did not like the fact that I had 3 steps coming up to my main door and no handrails. Told me to put up handrails or they would drop.
Posted on 8/1/24 at 10:55 pm to LSUGUMBO
quote:
made 1 claim in the last 20 years for a roof, so they’ve definitely gotten their fair share from her.
so, 2k/yr premium = 40k minus 10k-20k for the roof claim? Even without the roof claim, 40k will get eaten up pretty quick with a broken water pipe. A tree cuts through the house and they hopefully break even. A fire and they lose their arse.
People are just going to have to understand that homeowners insurance has been cheap as shite for a long time and its caught up with insurers.
Posted on 8/1/24 at 10:57 pm to LSUGUMBO
quote:
Anybody else ever had an ‘inspection’ by State Farm before they renew the policy?
Not state farm, but cajun Underwriters took a picture of my fenced in pool from behind my fenced in yard and said we didn't have a fence for our pool....
Posted on 8/1/24 at 10:57 pm to LSUGUMBO
quote:Shot being in front of the house in broad daylight? Inspectors aren’t supposed go into fenced yards unless they knock first and a resident comes to the door and gives permission to go into the backyard.
but an unannounced inspection seems like a good way to get shot at by the wrong homeowner
But nowadays, more and more inspection companies are utilizing drones. So now they don’t need someone to be home or knock for permission to get photos of the back side of the house and yard. They just fly the drone to snap pics.
quote:That you know of. I guarantee they sent someone by when you first got that policy to make sure the info you provided about the house looked reasonably accurate and that the property was in acceptable condition. Whether they reinspect I’m not sure. But you wouldn’t get any correspondence post-inspection anyway if everything appeared to be in good shape.
USAA hasn’t ever inspected my home unless I filed a claim,
Posted on 8/1/24 at 11:00 pm to jorconalx
Drone inspection
Posted on 8/1/24 at 11:00 pm to Tiger Prawn
So many dumbasses in this thread.
Posted on 8/1/24 at 11:01 pm to Turnblad85
quote:
homeowners insurance has been cheap as shite for a long time and its caught up with insurers.
Our requote today had a "surplus contribution" of $200... I asked what the hell it was and was told this
So it's a "small fee" so the insurance company can pay out... isn't that what my premium is for?
Posted on 8/1/24 at 11:12 pm to The Goat
quote:
Yeah. Thats not how it works.
I'm just sharing what the man whose been an agent for 35+ years with them said when discussing his loss of residuals from being forced to drop more clients in the last few years than he ever has.
Posted on 8/1/24 at 11:15 pm to adamau
He lied to you. Fact
This post was edited on 8/1/24 at 11:16 pm
Posted on 8/1/24 at 11:16 pm to LSUGUMBO
It's in her policy (yours, too, if you have one.)
To the guy saying "easy way to get shot"....you can't just shoot people. Well, you can but you will go to jail.
They did this to me one time and found my pool fence four inches too low in one spot. The fence was actually level all the way around but there was a four inch slope upwards in the concrete in one area creating a deficiency in height. Had to provide proof of repair with pictures.
In State Farm's policy....
12. Right to Inspect.
a. We have the right but are not obligated to perform the following:
(1) make inspections and surveys of the insured location at any time;
(2) provide you with reports on conditions we
find; or
(3) recommend changes.
Any inspections, surveys, reports, or recommendations relate only to insurability and the premiums to be charged.
To the guy saying "easy way to get shot"....you can't just shoot people. Well, you can but you will go to jail.
They did this to me one time and found my pool fence four inches too low in one spot. The fence was actually level all the way around but there was a four inch slope upwards in the concrete in one area creating a deficiency in height. Had to provide proof of repair with pictures.
In State Farm's policy....
12. Right to Inspect.
a. We have the right but are not obligated to perform the following:
(1) make inspections and surveys of the insured location at any time;
(2) provide you with reports on conditions we
find; or
(3) recommend changes.
Any inspections, surveys, reports, or recommendations relate only to insurability and the premiums to be charged.
This post was edited on 8/1/24 at 11:23 pm
Posted on 8/1/24 at 11:22 pm to jorconalx
quote:
So many dumbasses in this thread.
Getting a degree at 22 and locking in a job for 30 years definitely keeps people from having to think very hard.
In my experience, W2 workers are generally clueless to anything outside of their job.
Posted on 8/1/24 at 11:27 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.
Any chance she was paid to replace her roof on a previous claim, then didn’t?
Posted on 8/1/24 at 11:34 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.
This is a stupid comment. Who goes out and shoots someone for walking in their yard with a clip board, in broad daylight, who obviously isn’t a threat.
Back on topic, these inspections are the norm. It falls within the homeowners responsibility to mitigate possible risks and maintain the home. Rotten facia is on of those things, so are over growing tree branches that threaten the home. This is nothing new. Fix the problems and keep her insurance. Easy.
Posted on 8/1/24 at 11:38 pm to adamau
quote:
adamau
Typical dumbass Auburn fan
Posted on 8/2/24 at 5:46 am to LSUGUMBO
Read your policy. It states by allowing SF to insure you, you allow SF to come on the property to do an inspection.
This is standard on any ISO based policy form which is essentially almost every homeowners policy.
This is standard on any ISO based policy form which is essentially almost every homeowners policy.
Posted on 8/2/24 at 5:48 am to adamau
quote:
Family friends are long time agents and he says underwriters are getting big bonuses for dropping people home and auto.
Your friends are either liars or you are.
Page 2 of 3
Popular
Back to top
Follow TigerDroppings for LSU Football News