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Cancellation of Commercial Insurance after Virtual Inspection.
Cancellation Letter from Traveler's Insurance | 8/20/24 | Me, Myself and I

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".


TOPICS: Business/Economy; Computers/Internet
KEYWORDS: googlemaps; insurance; insurancecancelled; vanity
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Has anybody else experienced this or has inside the insurance industry information about this.
1 posted on 08/20/2024 2:15:23 PM PDT by Valpal1
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To: Valpal1

Are these thd idiots that charge you for rain runoff from your roof?


2 posted on 08/20/2024 2:17:22 PM PDT by Fledermaus (Clay Bevis and Cuck Butthead are panty wadded, pearl clutching cowards. Rush deserves better.)
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To: Valpal1

WHAT COMPANY ???


3 posted on 08/20/2024 2:18:09 PM PDT by ridesthemiles (not giving up on TRUMP---EVER)
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To: Valpal1

It’s done by drone. People in the next town over from us have been complaining about this very thing.

-SB


4 posted on 08/20/2024 2:18:10 PM PDT by Snowybear (Liberalism is a mental disorder)
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To: Valpal1

I have heard that insurance companies have used Google Maps street view to do “inspections”. I don’t know how widespread this is.


5 posted on 08/20/2024 2:21:40 PM PDT by PastorBooks
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To: Snowybear

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?


6 posted on 08/20/2024 2:26:47 PM PDT by Valpal1 (Not even the police are safe from the police!!!)
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To: Valpal1

Flew over after quitting time or before work started.


7 posted on 08/20/2024 2:27:47 PM PDT by mewzilla (Never give up; never surrender!)
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To: Snowybear

If I lived in the country and saw one of these, out would come my Benelli 12ga with some #2 shot. End of drone.


8 posted on 08/20/2024 2:28:01 PM PDT by Kevin in California (EP)
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To: Valpal1

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.


9 posted on 08/20/2024 2:34:34 PM PDT by cgbg ("Our democracy" = Their Kleptocracy)
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To: Valpal1

Find out which Democrat sponsored bill made that legal and find who voted yay on it.


10 posted on 08/20/2024 2:45:29 PM PDT by know.your.why
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To: Kevin in California

Great point. They should be easy to shoot down. Call it a private antiaircraft system.


11 posted on 08/20/2024 2:46:17 PM PDT by silent majority rising (When it is dark enough, men see the stars. Ralph Waldo Emerson)
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To: mewzilla

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.


12 posted on 08/20/2024 2:53:21 PM PDT by Valpal1 (Not even the police are safe from the police!!!)
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To: Fledermaus

They did it to my property in so fl ,3400 dollars later to trim trees they reinstated my insurance
Drone also


13 posted on 08/20/2024 2:55:36 PM PDT by italianquaker
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To: cgbg

Just keep saying, “Nice doggie.” Until you can find another carrier.


14 posted on 08/20/2024 2:59:22 PM PDT by Sequoyah101 (More important than why there was nobody protecting the AGR roof, how did Crooks know that?)
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To: cgbg

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.


15 posted on 08/20/2024 2:59:36 PM PDT by Valpal1 (Not even the police are safe from the police!!!)
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To: Valpal1

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.


16 posted on 08/20/2024 3:00:30 PM PDT by Openurmind (The ultimate test of a moral society is the kind of world it leaves to its children. ~ D. Bonhoeffer)
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To: Valpal1

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.


17 posted on 08/20/2024 3:00:55 PM PDT by gnarledmaw (Hivemind liberals worship leaders, sovereign conservatives select servants.)
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To: Valpal1

“I’m like, hey, I’m just trying to make sure you inspected the correct address and building.”

Yep, exactly right. :)


18 posted on 08/20/2024 3:02:29 PM PDT by Openurmind (The ultimate test of a moral society is the kind of world it leaves to its children. ~ D. Bonhoeffer)
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To: Valpal1

Welcome to your life on AI.


19 posted on 08/20/2024 3:12:09 PM PDT by xoxox
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To: Kevin in California

How close do you have to be, to be effective with that setup?


20 posted on 08/20/2024 3:13:47 PM PDT by xoxox
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