Home Inspection for New Policy

[Guest]

Fellow P&C folks,

I write HO policies in my area all the time. My carrier requires me to go out and take photos of the home and inspect the roof, no big deal.

I'm currently working on a deal where I will be insuring a newer home that is about 400 miles from where I live, it is my client's seasonal home.

How do you guys do your inspections when they are a long way from you and you physically doing the inspection isn't possible? I know there are companies that do this, but I've never used one and don't know how to find one. Also I'm curious about the cost.

Any insight you can give on how you handle this situation?

 

[nyc2phi]

Fellow P&C folks,

I write HO policies in my area all the time. My carrier requires me to go out and take photos of the home and inspect the roof, no big deal.

I'm currently working on a deal where I will be insuring a newer home that is about 400 miles from where I live, it is my client's seasonal home.

How do you guys do your inspections when they are a long way from you and you physically doing the inspection isn't possible? I know there are companies that do this, but I've never used one and don't know how to find one. Also I'm curious about the cost.

Any insight you can give on how you handle this situation?

Yes.

Ask the policyholder to take the photos for you.

This isn't going against the carriers requirements because you'll take a look at the photos yourself prior to binding to get a better understanding of what your putting on their books.

 

[Sales71]

Fellow P&C folks,

I write HO policies in my area all the time. My carrier requires me to go out and take photos of the home and inspect the roof, no big deal.

I'm currently working on a deal where I will be insuring a newer home that is about 400 miles from where I live, it is my client's seasonal home.

How do you guys do your inspections when they are a long way from you and you physically doing the inspection isn't possible? I know there are companies that do this, but I've never used one and don't know how to find one. Also I'm curious about the cost.

Any insight you can give on how you handle this situation?

All my companies do the inspection themselves. I always look at goggle to see how the house looks. Do you have to upload the photo..you can use the client photo for the carrier.

 

[Allen Trent]

Is it possible for you to have a video phone call with client when they are at the property so you can direct them around the house so you can inspect via video?

If carriers are non-renewing or finding items that need to be fixed from satelites or drones selling them data, I would think you could inspect via live close up video