What to do for homeowners insurance?
What they did is perfectly legal and correct. If they are at your residence for any reason, and they see anything that looks like it is a hazard, they can take pictures. One important thing an insurance company does is makes sure that properties are in insurable condition. That is what is called risk management. It is a very important issue in insurance. A porch in obvious need of repair is a risk that makes it uninsurable. If you have the skills to do the repair yourself, or you have friends who have the skills and are willing to help you, then it will only cost you the price of the materials. If your company does not want to insure you with that porch, no one else will either even if you didn’t have multiple claims. If your current insurer is willing to keep you as a policy holder if you fix your porch in spite of your history of losses, consider yourself lucky. Many insurers might not if you have had multiple losses. What you have is an issue of simple maintenance. Simply put, if yo
