Posted on 08/20/2024 2:15:23 PM PDT by Valpal1
Today I received a letter of cancellation of our commercial insurance based on a "virtual inspection of property".
The letter also stated that I could request a hearing before the Insurance Division of the State of Oregon "for the purpose of establishing the existence of the proof or evidence for the reason given for the cancellation."
They do not explain what their "virtual inspection" is comprised of, but no person contacted us or made an inperson walk through or walk around our place of business.
I am further suspicious because their one paragraph inspection report states "Exterior walls of building in need of repair - discoloration. This is not factual. Our building front was refaced and repainted in 2022 and our north wall is currently being refaced and repainted and has been since mid-July, scaffolding, mortar mixer, scissor lift and materials all right there next to the wall. The back wall of natural brick was resealed when the front was painted and the fourth wall is an interior shared wall.
It honestly seems to me that they used old Google Maps street view to conduct their "virtual inspection".
Are these thd idiots that charge you for rain runoff from your roof?
WHAT COMPANY ???
It’s done by drone. People in the next town over from us have been complaining about this very thing.
-SB
I have heard that insurance companies have used Google Maps street view to do “inspections”. I don’t know how widespread this is.
They may claim it was done by drone, but they refused to provide pictures of the walls and/or the discolorations, so I have my doubts.
How did the drone miss the active work being done?
Flew over after quitting time or before work started.
If I lived in the country and saw one of these, out would come my Benelli 12ga with some #2 shot. End of drone.
When you talk to them be super nice and say that is obvious an error has been made and ask who you can talk to to correct the error.
If you can keep your cool while keeping very determined you can fix it.
Find out which Democrat sponsored bill made that legal and find who voted yay on it.
Great point. They should be easy to shoot down. Call it a private antiaircraft system.
Then where are the pictures of the alleged disrepair and discoloration as requested?
They told me to send them pictures. I’m like, hey, I’m just trying to make sure you inspected the correct address and building.
The report as provided with no pictures, doesn’t jibe with my lying eyes.
They did it to my property in so fl ,3400 dollars later to trim trees they reinstated my insurance
Drone also
Just keep saying, “Nice doggie.” Until you can find another carrier.
Yeah, I’m way past being nice. I can buy insurance from another company. My goal now is to burn the inspector and possibly the insurance company for hiring a useless twit that doesn’t do his job.
I’ve already requested the hearing at which they will be required to provide their evidence that their determination was based on. Also wrote my state senator who happens to sit on the business committee.
I also made a privacy complaint to Google Maps and asked them to remove all photos older than two years because they were used to cancel my insurance.
I’m my husband’s semi-retired bookkeeper and I have all day to write nastygrams.
I had something similar happen. Turns out the young wokie went to the wrong address altogether. I would insist on a physical inspection with you there because you think they inspected the wrong address and building.
Something else, when she did finally come and inspect it she had absolutely no knowledge of building or safety codes. “Aesthetics” was all she cared about. Their wokie priorities are all mixed up.
We had this a while back. A drive by I suspect.
Been working on remodeling an ancient home for years now but life keeps happening.
Anyway...
We got a letter one day, dropped us because the house was “missing 60% paint” or some such. I would hope so, its a brick house. If they were making that claim about the window frames and such then it was obvious we were working on those the same as when we got that insurance and some had been entirely replaced by that time. Didnt make a difference to them.
Good luck.
“I’m like, hey, I’m just trying to make sure you inspected the correct address and building.”
Yep, exactly right. :)
Welcome to your life on AI.
How close do you have to be, to be effective with that setup?
Disclaimer: Opinions posted on Free Republic are those of the individual posters and do not necessarily represent the opinion of Free Republic or its management. All materials posted herein are protected by copyright law and the exemption for fair use of copyrighted works.