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We just moved into a new house. We have our home insurance with Liberty Mutual. Yesterday we got a call from one of their surveyors who wants to come to the house to write a report. Is this common? Do we have to say yes? We don't have anything to hide, but I want to know whether this is common. We are first time homebuyers.
I actually have Liberty Mutual for my home insurance. I switch to them when my rates with my old carrier skyrocketed for no reason. Liberty Mutual never asked to visit my home. I would call other insurance companies and ask them if they required a home visit for new policies. Did you ask them whey they need to come to the house?
Wow, someone on the NC forum had the same thing happen with USAA - this is a new one on me. I'm a licensed NY state insurance broker and I've never heard of this till now, although every insurance company will want to inspect the outside of the house, I've never heard of insurance companies wanting to come inside - till now.
The guy on the NC forum was not a 1st time home buyer and went back and forth with USAA and they agreed to drop it - "for now".
As far as hiding anything - like what? You can't hide a pool. You could hide a trampoline. But then when some kid falls off it and breaks their arm, and they go to sue you, Liberty Mutual will say "we sent our inspector out to the house last week, there was no trampoline, we aren't going to cover that claim"....personally I don't think that they would get away with that but it will make your life miserable while you battle it out with them.
We just moved into a new house. We have our home insurance with Liberty Mutual. Yesterday we got a call from one of their surveyors who wants to come to the house to write a report. Is this common? Do we have to say yes? We don't have anything to hide, but I want to know whether this is common. We are first time homebuyers.
It happened to me w/Interboro. They wrote some BS report and told me I had 30 days to fix some exterior items or they would cancel. This was during Jan which, as we all remember, was awful in terms of weather. I wrote them a letter explaining that they were unreasonable and so they didn't cancel me. But this is common...
AAA just started selling insurance, check them out.
My girlfriend changed her insurance from Allstate to State Farm last year. One weekend, some guy shows up at the door with a camera and says he is a contractor from State Farm who inspects houses and she should have gotten a call from State Farm about his visit. She never had received a call and I wouldn't let this guy into the house. He had no ID from State Farm
She called the broker and he said that he had forgotten to inform her that an inspector would be visiting and looking at the interior. In any case, they never came back.
All I have ever heard about is that they send someone to take a photograph of the outside of the house for their own records. This "interior inspection" thing is new to me.
Had my house inspected a few years ago....they come to see the electric fuse box and the furnace room....nothing to worry about.
Also they wanted me to install railing at my front steps...called and told them I can't -it would ruin the landscape since I had some trees and bushed along the steps, when they pulled the image in their system, she told me: "yes that's a nice entrance I don't see why they would want to ruin it. hold on....I will talk to the inspector and we'll take care of it for you" -never complained again.
I guess they gotta do some work why taking all this $$$ for the policy.
when we bought our house last year, our homeowners insurance came out to inspect the home. I was told they want to make sure you have enough coverage or don't have too much coverage. Our policy went down after they came to look at our house.
We were "non-renewed" by Allstate last year and wound up with Narragansett. The had an inspector come to the house. He took interior pictures, measurements, etc.
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