sweetiesmom09
Junior Member
What is the name of your state (only U.S. law)? PA
I recently moved my H/O policy to a new carrier. The effective date is not until 8/23, although the mortgage company has already paid the premium (they are very efficient). Yesterday I received a letter from the company informing me that an independent inspector will be coming to view the exterior of my property - taking pictures and viewing the property from all sides -- to ensure the "policy and premiums are accurate and that [the] home is properly protected." I knew there was a possibility this could happen so I wasn't surprised, and my home is not in bad condition but I have no idea what to expect. My agent assures me that these things are usually routine but he also told me this insurance company didn't usually do inspections so I'm not really believing a lot of what he's saying right now!! So I'm asking a more objective group of people - you folks - what can I expect from this? Is there a typical way they go or is it impossible to predict? Like I said, I keep my home maintained and I'm pretty sure that I'm insured for the correct amount but I've been around long enough to be cynical so I know there's always something that can be found if a company wants to. I don't know if I can name the insurance company so I'm not naming them but I will if anyone asks. Thanks.
I recently moved my H/O policy to a new carrier. The effective date is not until 8/23, although the mortgage company has already paid the premium (they are very efficient). Yesterday I received a letter from the company informing me that an independent inspector will be coming to view the exterior of my property - taking pictures and viewing the property from all sides -- to ensure the "policy and premiums are accurate and that [the] home is properly protected." I knew there was a possibility this could happen so I wasn't surprised, and my home is not in bad condition but I have no idea what to expect. My agent assures me that these things are usually routine but he also told me this insurance company didn't usually do inspections so I'm not really believing a lot of what he's saying right now!! So I'm asking a more objective group of people - you folks - what can I expect from this? Is there a typical way they go or is it impossible to predict? Like I said, I keep my home maintained and I'm pretty sure that I'm insured for the correct amount but I've been around long enough to be cynical so I know there's always something that can be found if a company wants to. I don't know if I can name the insurance company so I'm not naming them but I will if anyone asks. Thanks.