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Tstation t1_j4b5ncc wrote

I’m an inspector and I never understand the “it’s a scam” thing. A scam, by definition has to have a part where the scammer gets something from the act. An insurance inspection is someone taking photos and looking at your electric panel, furnace, and hot water heater. Where does the scam come in?

Most people who own houses realize insurance companies inspect their homes. Even if you never had one before, you will eventually get a call. The carrier wants info and photos in the file in case there is a claim. It also protects the homeowner if there is a claim, since there will be photographic proof of what the home looked like before the fire, flood, or whatever.

If you have doubts, call your agent. And if you refuse, you will get a letter telling you to comply or get dropped.

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Yogurtsamples OP t1_j4b5zyq wrote

I guess it’s why didn’t the insurance company notify me first. When someone calls me out of the blue and says they want to enter my home, it’s suspect.

I have no problem complying. My issue, I guess, is transparency and communication with the insurance company.

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Tstation t1_j4b6evb wrote

I’ve done thousands of inspections in RI and now in Florida. Some carriers send a letter letting you know someone will be calling, some don’t. As I said, call your agent to confirm. That’s what I always tell anyone who seems hesitant. Also the inspector will have credentials and paperwork showing you carrier, agent, and info on home. A “scammer” won’t have all that, lol.

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