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