An inspector (stranger to us) contracted by our insurance company came and took pictures, without our knowledge, of our property.

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jul 15, 2014

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Insurance Question from Dallas, TX

Asked on 07/15/2014

An inspector (stranger to us) contracted by our insurance company came and took pictures, without our knowledge, of our property. After we found out that a report was done, we requested the report/photos for our records. I'M FINE WITH THE INS. CO. WANTING PICTURES. What bothered me was that he was ALL in our backyard. He opened our latched gate and came on in. We never knew he was coming. If the kids had been home alone, they would have freaked. What if one of our girls had been changing in her room and a strange man walked by and saw her? If had a gun, it would have been within my rights to shoot him and that would have been tragic. A man that I know nothing about was in my backyard. What are my rights?

Answer given on July 30, 2014

Insurance companies routinely request inspections of homes that they insure. It is sometimes an employee of the insurance company itself but often times an outside company is used to do the inspections. Most inspections are “drive by”” where the inspector takes a photo of the front and side of the home. Some are more extensive where the inspector will pace of the front and side. If the inspector is going to enter the yard, they will usually knock or ring the doorbell to advise anyone who is home what they are doing. If no one is home, then they will go in the yard if possible.In any of these instances, the inspector or company does not usually notify the homeowner. They are just doing a job for the insurance company much like a meter reader. It is not intended to upset homeowner or cause them any concern.

IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and AS IS. It has not necessarily been reviewed by the management staff of nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on to represent you.

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