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I am not sure if this would be the correct forum to post this question but here it is.

As with most folks on this site we have had a rough go for quite some time. This past summer we let the house insurance lapse. Could not afford that and a lot of other things. At any rate we finally got to where we could afford insuarce again. Of course it is double of what it would be normally. They did a outside inspection and now after a week they wish to inspect the inside, plumbing, electrical panel and furnace. We have lived in this house for the past 22 years and not one insurance company has ever asked to inspect the inside. Has anyone else come across this?

Do we have to let a stranger in our home? Is this legal?

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We have been experiencing the insurance inspection requirements here in Florida, but it is actually a benefit here. We find that if you get the inspection the cost of insurance decreases substantially.

There are a couple of different types of inspections: 1) Wind Mitigation inspection is to essentially see how hurricane 'ready' your house is and if it meets certain objective criteria and 2) a '4 point' inspection is for structures that exceed 50 yrs (or 40 yrs for some carriers). In that inspection they are checking electrical, plumbing, HVAC and roofing.

With the wind mitigation inspection I have seen reductions in insurance for thousands of $$$ (In my own case the house insurance was reduced from $5179/yr to $1850/yr....remember we are in Fl and insurance here is extremely expensive :cry:) For the 4 pt insp, the insurance underwriters will not write a policy without the inspection.

So, check around your area to see what the objective requirements are for the inspection - it might actually work to your benefit.

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In my limited experience here in PA, I have never been asked to have an inside inspection. I suppose there is no need for it here- no hurricanes or natural disasters to speak of. They do however do outside inspections frequently before underwriting.

If you are there during the inspecton and you have no major issues such as leaky pipes, I see no reason to worry about a stranger being there. Just be an escort.

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I've worked in insurance for 30+ years in Texas and it is not unusual to require an inspection of a dwelling, both exterior and interior.

You say you had let your insurance lapse? Sadly, many times someone who does not have insurance has a loss and then runs out to find insurance quickly in an attempt to cover the loss. It's just good business practice, on the part of an insurance company, to make sure that things are exactly what they seem to be.

An insurance company that is going to cover your risk - be it auto, business, life, health, home etc - has the right to inspect that risk prior to a coverage commitment. There is nothing illegal about that.

If you've got nothing to hide, the inspection should not be a problem.

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