Perfect example. My agency writes about 30 dwelling fires for a guy who keeps his properties in excellent condition. Upon inspection, one of the tenants has a small kiddy pool outside in a fenced yard. The company writes out saying it must be removed with a signed statement confirming it won't be replaced & a photo. Insured says "how am I going to sign something saying it won't be replaced when I have no control over what they may do over the coming years?" I agree. I call up & scum bag rat piece of $hit underwriter says "Well if he signs that letter then we can use it to deny a claim." I said "if it were you personally, would you sign a letter like that knowing it can be used against you if a tenant doesn't listen to your orders? Do you think this guy is going to drive by the property daily during summer to make sure the tenant doesn't put the pool back up? I meen cmon here this is just not reasonable Her response "it's unreasonable yes, but that's what we require, sorry."