I was told by my ex that a home insurance agent was coming to look at the INSIDE of my house. I was under the impression only appraisers came to look at the inside of your home. Do home insurance agents do that now too?
2007-11-12 19:47:09 · 8 answers · asked by milandranyx 1 in Business & Finance ➔ Insurance
Nope, they can look at the inside, too. They're checking for certain breed dogs, they'll check your electric box, they'll check for unrepaired damage, and they use info like wallpaper, tile, vinyl flooring, to calculate the replacement cost of your house.
An appraiser doesn't come out until after the claim. The agent is doing "front line underwriting" and establishing the value of your house.
2007-11-13 01:54:37 · answer #1 · answered by Anonymous 7 · 0⤊ 0⤋
When you purchase a policy, the insurance company wants an appraisal of your house. In the not too distant past, insurance agents were the ones that came to the house and did the appraisal. However, some insurance agents began sub-contracting this to other companies/individuals.
Your age of the home may matter as well. An older home may have some things like knob & tube wiring, or a newer home may have a number of premium features.
2007-11-12 23:46:26 · answer #2 · answered by Apple 3 · 1⤊ 0⤋
It is now becoming commonplace for agents to view both the interior and exterior of homes to be insured, including taking pictures for the insuring firm. Given the losses which the insurers have sustained after Katrina, the CA wildfires, and other natural disasters, they are looking to cut losses, and are getting rather discriminating about what they will and won't insure.
I recently changed insurers and the agent visited my home. I was advised that I needed to repair a loose handrail on the second floor deck before insurance would be issued. There was concern that someone might break through the rail and fall to the ground, causing a payable claim to the insurer.
2007-11-13 03:40:05 · answer #3 · answered by acermill 7 · 0⤊ 0⤋
Sometimes - it depends on the agency's rules. Call the home office of the company and ask. Make sure the person coming really works for them.
2007-11-12 19:58:07 · answer #4 · answered by Katepoet 2 · 1⤊ 0⤋
that is very rare. most companies send out an inspector to make sure the home is occupied and to look for any existing damage to the outside of the home. i do not know of any company that goes inside the home, but i see from another agent that allstate does this. i have to be honest, i would call my agency and verify this through them before i let them in my home.
2007-11-13 00:21:43 · answer #5 · answered by Queen B 6 · 0⤊ 2⤋
I know Allstate usually wants to see the inside of your home. Many others are starting to. Make sure they have proper ID before you let them in the house. They want to make sure there are no fire hazards (stacks of magazines, furniture blocking the exits, etc), that the wiring, plumbing & heating are up to code. They want to see if there are any animals living there, any peeling paint, etc.
Most other things they want to know they can tell from the outside.
2007-11-12 22:11:41 · answer #6 · answered by Sue 6 · 1⤊ 1⤋
That is not usual unless your home and the insurable contents have a very high value.
2007-11-12 19:50:59 · answer #7 · answered by Anonymous · 0⤊ 1⤋
Sometimes.
2007-11-12 19:49:24 · answer #8 · answered by rainbowmatrixs 4 · 1⤊ 0⤋