Why would an insurance company come to your house?
Asked by: Jaylin Blick | Last update: December 23, 2025Score: 4.6/5 (70 votes)
Is it normal for an insurance company to take pictures of your house?
Yes, insurance companies regularly take pictures or even videos of your home and the surrounding property when inspecting a house. This helps them determine what issues (if any) may impact your coverage and lets them compare before and after photos if you have to file a claim in the future.
Why would an insurance agent come to your house?
A home insurance inspection is initiated by the insurance company to assess the home's replacement cost and risks that could cause future insurance claims. It can be used to help calculate your insurance premium costs. Not everyone will experience a home insurance inspection.
What should you not say to homeowners insurance?
Avoid any admissions of fault or liability when talking to your adjuster. Such statements can be used to shift blame, potentially decreasing the amount you might be compensated. Instead, focus on describing the damage and the events as they happened, without inserting personal opinions about who might be at fault.
Why would an insurance investigator come to my house?
Yes it is common to do home calls when there is concern or other details that need investigation. They are likely gathering details about the claim, the agency that sold the policy or any related businesses (body shops, chiropractors, sometimes even the claims handler themselves).
What US Insurance Companies Aren’t Telling You | Informer
What triggers an insurance investigation?
Inconsistencies and delayed claims can trigger alarm bells, leading the insurance company to closely scrutinize the legitimacy of your case. The duration of your recovery is not only critical for calculating the compensation but also for evaluating the credibility of your claim.
Can I refuse a home insurance inspection?
Yes, you can refuse a home insurance inspection, but doing so may result in the insurance company declining to provide coverage, canceling your existing policy, or increasing your premiums. Inspections help insurers assess risk, so cooperation is typically necessary to maintain or obtain.
How to scare a home insurance adjuster?
- Step One: Understand the Roles and Goals of an Insurance Adjuster. ...
- Step Two: Know How Insurance Adjusters May Try to Minimize Compensation. ...
- Step Three: Take Your Time to Review a Settlement Offer. ...
- Step Four: Reject a Lowball Offer in Writing.
What voids homeowners insurance?
Common exclusions in even the most comprehensive homeowners policies include: earth movement, such as earthquakes; sinkholes or landslides that damage your home; water damage, such as floods or sewer back-ups that leak through a pipe or seep through the foundation causing damage to your home; damage resulting from ...
What not to tell a claims adjuster?
Some key phrases to avoid saying to an insurance adjuster include: “I'm sorry.” “It was all/partly my fault.” “I did not see the other person/driver.”
Can insurance companies come inside your house?
The answer to the question is yes. Home insurance companies have to evaluate your house before they can insure it, which means that they will send a representative to take a look at the house. However, an insurance company representative cannot come into your home without your approval.
Can insurance companies come on your property without permission?
An adjuster cannot trespass on your property and needs your permission to come onto your property or into your home. You have a legal right to refuse a visit and inspection from your insurance company, but the claim may be denied if the company can't determine the extent of the damage.
Why would an insurance company request a survey?
In connection with the insurance of a piece of property, land surveys are necessary for any of the following purposes: To identify and locate a parcel of land. To identify and locate the boundaries of a parcel of land. To redraft a legal description.
How long does a home insurance inspection take?
You'll need to be present at the time of the interior home inspection. An inspection may take between 30 and 90 minutes, depending on your home and the size of your property. Expect the inspector to check your home's: Walls.
Why is someone taking pics of my house at night?
It could be that the person taking the photos is a burglar scouting the area, but another common reason may be that the person taking photos is a real estate professional at work.
Do insurance investigators look at cameras?
Insurance companies may conduct their own investigation in response to a particularly costly claim. This can include going to the scene of the accident and looking at surveillance footage or any other available evidence. Insurance companies may look at security camera or dashboard camera footage of the car accident.
What makes a house uninsurable?
Exposed and outdated wiring and other infrastructure issues could cause an insurer to deny coverage. The presence of a swimming pool could pose an issue that insurers may not want to cover unless the property includes certain features, such as a fence to enclose and secure the pool from outsiders.
What to avoid with homeowners insurance?
- Under-Insuring Your Home. While this may seem like a no-brainer, many homeowners decide to go with the least amount of coverage available in an effort to save money. ...
- Setting Your Deductible Incorrectly. ...
- Forgetting About Discounts. ...
- Not Customizing Your Coverage.
What 3 things does homeowners insurance cover?
- Coverage A — Dwelling.
- Coverage B — Other Structures.
- Coverage C — Personal Property.
- Coverage D — Loss of Use.
- Coverage E — Personal Liability.
- Coverage F — Medical Payments to Others.
What not to say in a home insurance claim?
Avoid admitting fault or underestimating damages as this might lead to lower compensation or even denial of your claim. Honesty is crucial when dealing with an insurance adjuster, so avoid providing false information which can lead to serious consequences like claim denial or legal repercussions.
What to expect when an insurance adjuster comes to your house?
Among other things, they'll inspect the damage to your home and come up with an estimate for fixing the damage. These adjusters work on behalf of your insurance company, not on your behalf. As a result, you don't pay for their services.
What do insurance companies fear the most?
It's simple: Insurance companies' legal teams hate having to go before juries. Naturally, it's up to juries to apply the law in a fair and even-handed manner. However, it never helps insurance companies to be seen as the villains who are trying to get one over on people in genuine need.
What is the riskiest part of a home inspection?
Water damage can be the most expensive of all the major issues a home inspection may encounter because it can cause so much damage.
Why does the insurance company want pictures of my house?
Having the insurance company come take pictures or inspect your house is a good thing. They are looking for hazards that could cause a claim or even a lawsuit. The purpose is to protect you better and save you hassle & money in the long run.
Do insurance companies do random home inspections?
They can do rando inspections. Most often, it is a aerial shot or a drive by to look and see how many trees are close to the house, are here trampolines, trip hazards, how does the roof look, are all the windows intact etc. It isn't because somebody called and reported you.