One point of fact not mentioned was that this broker sent me sample PDF
of the policy he would be selling early in this process (at my request), but
failed to mention that the application would become part of it. The policy was fine.
I cannot be completely specific because some of my reasons
Thank-you for the great PDF...it was quite educational. When I said "Perhaps it contains some completely unacceptable term than makes what I already paid a problem(?)" that was meant to be theoretical---like "why would I ever pay for something without reviewing its merits?" I should have been...
Good point all, thank-you. I AM dealing with an independent broker. So I went to the insurance company's website and made
a general inquiry on one of their forms. It went like this:
"May I see an application for homeowners insurance prior to purchase?"
Here is the response I received:
What is the name of your state?TX
Paid homeowners for 42 years without claim. Harvey hit.
Asked agent if certain minor items were covered at all.
"Somehow" claim got filed for unknown amount attributable to "wind" which I requested immediately
closed/nullified. We paid all the minor repairs...
Thank-you for that. The State insurance help line had never heard of this practice.
I can't imagine why anyone would ever pay up front just to find out if what they paid
is right. Obviously they quoted without a credit check, although they ran a CLUE report.
One has to wonder why I ask "can I...
What is the name of your state? TX
Every other company I have dealt with asks me to apply, approves,
quotes, then inspects. I would prefer not to pay a whole lot just to
find out I have been given a low-ball quote, or even that there is some
requirement to provide sensitive personal data on some...