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".
Give your money to a different insurer
I just received Grinnell Mutual quote for my office building went from $18k per year to $32k with less coverage. I’m looking for new insurance company. I was told Erie Insurance has better rates.
The real estate insurance industry is being hit hard. Oppressive regulations and rough legal liabilities cost everyone a huge amount. I’ve heard in some large cities homeowners cannot get home insurance! It’s our economy collapsing as we switch from free market to central planned economy.
50-60 yards should do the trick.
We just switched to this company 30 days ago. Told they may inspect the property. Then received this bogus “virtual inspection” report. They either used Google streetview or droned the wrong building.
When I asked for photos of the specific areas of concern they refused and told me to send them pictures to refute the report. I don’t think they have pictures other than from Google.
“......It honestly seems to me that they used old Google Maps street view to conduct their “virtual inspection”.......”
Your instinct is probably right on. Or it could be that the Insurance Company purchases “data” from a variety of sources or used County auditor photo’s on file.
My suggestion would be to contact a class action lawyer and ask them to attend an Insurance Commission hearing with you.
You might want to have data (receipts) for the repair work with dates, along with a building inspection report from a building inspector or engineer.
In the Midwest, insurance companies are partnering up with drone, satellite providers to identify their customers with trees too close to the house. They’re being told they have xx number of months to get them trimmed or cut down or risk losing their coverage.
You’ve heard the stories of SWAT raiding the wrong house due to an address error, right?
Just sayin’...
Make ‘em prove it.
Take a video. State your name, the date of the video, and walk the property.
Video in court is precious evidence.
When we were recently home shopping, our buyers agent warned us that any homes that had an older looking roof might not be insurable, and companies would use drones to check.
Paint big rainbow lgbtqwtf flag and they will leave you alone.
Not joking either. If they complain, call up,Tina Kotek and her goons will be on it.
I like the way you roll.
Find out which Democrat sponsored bill made that legal and find who voted yay on it.
must be the season. We were told it was a drone inspection. They only ‘droned’ the front of the property.
Our company told us to completely remove trees within 5 ft of the house, trim back the front yard tree so any branches were 5’ minimum away from roof, and trim a single skinny wisteria vine that had wound up the front porch post within touch of the eaves, or we’d get a non-renewal notice in September (insurance renews in Dec). They also asked date we replaced the roof. We were asked to email pix to our local agent to prove the work was accomplished. This for a tract home with close to zero risk of fire. And no, they won’t cover the cost to remove the two trees.
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