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The home insurance people will absolutely nail him on this. They'll eventually send someone out to inspect the property on a policy renewal. They'll refuse to r
by adventured 5y ago
The home insurance people will absolutely nail him on this. They'll eventually send someone out to inspect the property on a policy renewal. They'll refuse to renew the policy until the code violations are corrected. And they'll definitely notice and have questions about the odd 'shed' that looks new and very out of place.
If he has really wired it as it seems, if anything consequential (unrelated) happens to the property in the meantime they'll use that against him when they inspect post event. They'll try to claim he breached the policy prior to the event.
- sokoloff 5y agoWhere do you live that insurance companies send inspectors ‘round? I’ve owned 2 houses for a total of over 25 years and never had an insurance inspector visit nor heard of them visiting anyone else for a renewal. Is this common elsewhere in the world?
- dudul 5y agoBeen a homeowner for 10+ years and it never happened to me either. I only see insurance people when I have a claim to evaluate the cost.
- chrisdhal 5y agoI have rental properties and it happens about every other year before a renewal. They definitely find things that need fixing. That being said, I've never had it happen on my primary residence (20+ years).
- sgtnoodle 5y agoThat has not been my experience as a homeowner in CA for the past 5 years. I think the insurance company sent someone out once when we first bought the house? I vaguely recall they looked at the breaker box to write down the main breaker rating, and that's about it.