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Old 03-06-2015, 08:53 AM
Location: USA
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A kitchen is a likely place for a fire, so photographing that room makes sense for the insurer and if you replace an appliance with a more expensive model, be sure to have the agent take another photo.
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Old 03-06-2015, 09:56 AM
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When we moved the questions on heating type; roofing inspection and dogs breeds were quite numerous. I knew the agent and he said s insurance companies were get quite strick on what they insure. He also said many require more photos because of what they have found versus what agents of put down.
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Old 03-28-2015, 01:53 PM
481 posts, read 400,977 times
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Our agent is coming next week to take photos inside and outside our house. The company is Nationwide; we've been with them forever.

The agent said the Dreaded Underwriters (my adjective, not his, LOL) now insist on photos inside all homes valued over $500K, so they can see if the owners are taking proper care of the home (e.g. no water stains on the ceiling) and also to see if there are granite counter tops and other expensive trims. I figure it's just another excuse to raise premiums.
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Old 03-30-2015, 08:28 AM
194 posts, read 118,213 times
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I recently changed insurance which required a complete house inspection, inside and out.
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Old 03-30-2015, 08:35 AM
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Yes. My insurance company sent a rep over for a review. They took numerous photos including pics of my dogs and I together. But..... I emphasized they take photos of all the fire extinguishers around the house, the double smoke detection system (in house and alarm), etc. And.... if you have a fire, believe me, you must prove that everything you list on the claim was not only owned by you but IN the house at the time of the fire. You should have your own very detailed house inventory off-site, in event of a loss.
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Old 03-30-2015, 08:48 AM
13,981 posts, read 7,452,675 times
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Originally Posted by DaveinMtAiry View Post
What's the big deal again?

I completely remodeled my house. I asked the insurance company to bring somebody in to make sure I wasn't under-insured. I have photos of everything including framing, wiring, and plumbing before the insulation and sheet rock went in. I think it would be irresponsible to not do this. I don't understand how anyone could possibly have an issue with an appraiser/adjuster looking at their property to value it properly.
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