Buying A Home
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Our tech team has launched updates to The Nest today. As a result of these updates, members of the Nest Community will need to change their password in order to continue participating in the community. In addition, The Nest community member's avatars will be replaced with generic default avatars. If you wish to revert to your original avatar, you will need to re-upload it via The Nest.
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Anyone have their insurance company insist on an inspection?
This is a new one on me and no one I have asked has ever heard of it. I have been with the same insurance co for 8 years and 3 house. Currently getting ready to close on a fourth and they insist they need to come out and inspect this one in person??? Any ideas why? We got a professional inspection ourselves but they dont want that one. They want their own people to do it.
Re: Anyone have their insurance company insist on an inspection?
Back in my underwriting days, the company I worked for always ordered an inspection on homes. It was standard. If the inspection indicated any serious concerns (roof, electrical, general poor condition), the coverage could be cancelled. Inspections were also important if there was disagreement about the value of the home. Houses over a certain amount got an interior and exterior inspection, and those inspections estimated the replacement value. If anything happened to the home, we had a record of what the property looked like at the time that we insured it.
It could be that something about this home triggered an inspection. Maybe the age, value, or even something that you mentioned.
Based on what CC said, it sounds like that's the issue. Those numbers are pretty far apart and they probably want to make sure that the rebuild is accurate. It's probably something they do in cases where the paid value and rebuild are a certain amount apart to make sure that you aren't going to burn the house down for the insurance money.
Interesting...we have owned several homes all insured by USAA and have never been asked for a second inspection.
My Valentine Bookends (2~13~13, 2~15~09)
It would have had to go in effect since September 2011 since that is the last time we closed on a home and used their insurance. We purchased for significantly less than the rebuild cost as well. Honestly, I think it is rare that USAA asks for a second so I'd be very curious about their reasoning.
My Valentine Bookends (2~13~13, 2~15~09)
This is actually interesting. I'm going to ask them and see why they are doing this.
Our insurance company never asked for a second inspection through them. But they did ask for a pictures of the house be emailed to them. We needed to have pictures of the following;
-front of house
-back of house
-roof
-deck
After we gave them these pictures they said that we needed to remove one of the shrubs that was up against the side house and it is really dead. and we have a month to email them a new picture of the one side of the house.
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Look at the Clippers? abstract history: In 1981, they drafted Tom Chambers, who went on to accept a solid career ? with Seattle and Phoenix. Afterwards he averaged 17.4 credibility for the Clippers, they traded him to the SuperSonics for James Donaldson, Greg Kelser and Mark Radford. To be fair, the Clippers did abstract a approaching Hall of Famer in 1981: Tony Gwynn, who is in the Baseball Hall of Fame. In 1983, the Clippers called Byron Scott, again traded him to the Lakers. In 1984, they called Lancaster Gordon with the eighth all-embracing aces of the draft. Lancaster Gordon? Nike jordans shoes sales Meanwhile, eight picks later, the Utah Jazz called John Stockton. In 1985, with the third aces in the abstract and with Chris Mullin, Detlef Schrempf, Charles Oakley, Karl Malone and Joe Dumars all available, the Clippers selected, delay for it, Benoit Benjamin. (By the way, that year the Lakers called A.C. Green with the 23rd pick.)
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