Insurance required roof cleaning

M

MudDuck

New member
Just got a call this morning from a lady who stated that her insurance company notified her that she had until next Friday, one week, to have a couple of limbs cut back and the mold removed from her roof. Has anyone ever heard of an insurance company forcing someone to clean their roof?
 
Are you sure it wasn't her H/O association? I've never heard of Ins companies riding around checking on their policy holders homes. Unless of course she opened her own can of worms and called them for some reason or is refinancing or changed policies and they needed to check out the house. :confused: Weird!
 
Ive heard of insurance companies making you cut tree limbs that are on or close to the house.
It happens a lot down here - because of hurricanes probably.

Never heard of them making you remove mold off the OUTSIDE of the house.

Mold INSIDE the house is a whole 'nother can of worms though.
 
Just got back from the job sight and spoke to the lady. She said that her insurance company "The Hartford" sent her a letter on March 7th informing her she was required to cut a few tree limbs and remove the "moss" from her roof. Even sent her pictures of her house where the stuff was. Yes the roof did need cleaning but it wasn't no where near as bad as a lot of them around here (mold but no moss) and the tree limbs were very minumal. They gave her 20 days to have it done and send them proof that it was done. Weird to say the least. I'm going to call our local Hartford offices and try to get a list of some sort of homes they are sending letters too. Or try to get on ones good side for referals some how.
 
Larry Millette said:
Are you sure it wasn't her H/O association? I've never heard of Ins companies riding around checking on their policy holders homes. Unless of course she opened her own can of worms and called them for some reason or is refinancing or changed policies and they needed to check out the house. :confused: Weird!
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It must of been State Farm :D :D :D
 
I have not heard of it in central VA. but I like the idea.
 
I just talked to a guy at a homeshow this weekend that was telling me, his insurance guy came out to look at a car his daughter had wrecked. As he was leaving, he told the guy to get all the green algae cleaned off his vinyl siding or his H.O. would be canceld in 1 week. This is in Ohio, he had to clean it in 25 degree temp.
 
Lester said:
I just talked to a guy at a homeshow this weekend that was telling me, his insurance guy came out to look at a car his daughter had wrecked. As he was leaving, he told the guy to get all the green algae cleaned off his vinyl siding or his H.O. would be canceld in 1 week. This is in Ohio, he had to clean it in 25 degree temp.
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I don't know about any other part of the country, but our Attorney General would have a field day with an insurance company that gave a Connecticut home owner one week to remove mold and/or mildew from their siding or roof. It would probably work if they gave 60 days notice and again in 30 days then cancelled when it wasn't done after the deadline, but to give one week verbal notice wouldn't work here. That agent and his company would be wide open for a law suit. I find it hard to believe that an agent went out to look at a car. That is typically an adjuster, who has absolutely no power to make decissions about your policy in the first place.
Connecticut is sometimes called the "Insurance Capital of the World" because most of the major insurance companies are based here. The Hartford being the most obvious. You would think that would give them alot of clout in the state, but our Attorney General keeps them in check and limits the power they have to do things like this.
 
We have 60 day written cancellation notice required here. Sounds like an adjuster overstepping his authority. Indiana Department of insurance takes that stuff seriously and investigates all complaints. Some agents do have authority to adjust claims up to a certain amount.
 
Well and "adjuster" is an acting agent for the company who's sole duty is to limit the company's liability and bottom line. They have full discretion to work in the company's best interest and can cause you some serious issues because as you said, most insurance agents wont come out on sight at gun point so they rely on the adjusters word. And give them full autonomy to do whatever but yes one week is a bit over stepping. This lady was given three weeks I think.
 
That's pretty tough. Most states wont allow quick cancellation unless the policy has only been in force for a short time, 30-60 days. This allows the insurance company to make a visual and confirm the risk matches what was applied for. In fact maybe that's what happened here? Anyway I'm liking the roof cleaning part.
 
Here its just HOA and the city you live in, although it would be real nice for the wallet if the Ins companies were involved. $$
 
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