Massachusetts insurance companies canceling homeowners policies using drone, aerial photos
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- Опубликовано: 21 сен 2024
- HEADS UP! Did you know homeowners insurance policies are getting dropped without an agent ever stepping foot inside your home?
Full story: www.boston25ne...
Seeing stories like this all over the country.
except on this one they actually had merrit
I’m seeing it nationwide as well.
Because people are getting dumber & dumber and are too lazy to properly maintain their home.
This guy CLEARLY is not taking care of his home
@@johndonovan7018 It doesn't help if he just cleans up now, the decking likely has rot and water likely has gotten in in places you'll never know until the loss occurs. As a retired Underwriter I found it annoying that an insurance company is expected to tell a property owner to maintain the home. Carriers only inspect the exterior, can you imagine the interior of this home? I would bet my last dollar there are water stains all over his ceilings. Carriers needed to get back to underwriting risks for the ACTUAL exposure to the company to rein in premiums and frivolous litigation expenses. Owners usually sue carriers when portions or entire claims are denied due to "lack of maintenance", not a covered loss under any homeowner policy. Those litigious owners are costing the rest of us policyholders a lot of money often repairs cannot be made until all the old water intrusion is addressed. My premiums should not go up because people think they can neglect a home and insurance will pay for the additional costs of repairs. Everyone got on the home ownership bandwagon and expected they could continue to treat their home like a rental someone else is responsible for maintaining.
Because an entire generation of boomers pillaged most the wealth and resources our planet has, leaving our children with a bankrupt leftovers. This is what collapse looks like; each year our dollars are worth less and less.
Blame the roofing scams. Same thing happened in Florida until legislation was passed. People with a 20 year old roof might experience a hurricane and some shingles fly off. Roofing companies would drive through the neighborhood promising "no-cost" roof replacement. All this meant was the roofing company would threaten to sue your Homeowner's Insurance if they didn't cover the roof replacement cost after a hurricane. Initially the insurance companies caved, because it's cheaper to cover a roof than go through a trial. Now they just drop you.
Interesting!
I work in this industry every day and this is exactly true. It seems great and all but two or three years after you get flooded with door knockers policies will change and then even after insurance company has cashed out millions maybe even billions they will still be the bad guy so do business. You’re just gonna get scammed and then even be the bad guy.
Dudes got lawn growing on his roof. That doesnt just happen overnight. Thats years of neglect
Dude should just paint the roof.
Weed killer
Is called moss growing on the north side of a roof pretty common in the north east
Exactly! Some people use their insurance like a welfare program. They do nothing to maintain their property, put in a claim worth tens of thousands of dollars, then complain that their rates went up.
Get too many people like this in your neighborhood, they will be part of the reason why your insurance goes up next year.
@@dwl2383 it takes a while to establish
Insurance companies are going to become a thing of the past. Homes are just too expensive to replace
So what's your point?
@@vblic Insurance companies are going to become a thing of the past. Homes are just too expensive to replace
@@malcorubthe point being?
That's some interesting logic you got there. So the more expensive something is to replace the less you need to insure it. Got it lol.
@@bullpup1337 Insurance companies are going to become a thing of the past. Homes are just too expensive to replace
Take those insurance premiums and put them into a savings account.
Yeh why spend it in on insurance. If their is a fire and the house burns down. Take the, let's say 15000 you saved and moved. Because you will not have enough to rebuild your home. Smart advice Jimmy.
Yes, I am sure your mortgage company will be fine with that.
Next idea ?
Mental giant.
Well I am sure he was paying way less in the past but even if he was paying 1000 per year that would only be 41,000 for 41 years that is not enough to build a new house today which can cost well I don't know? It has a basement and 2 floors on top so maybe $250,000 let's say?
Can't do that if you have a mortgage.
The insurance companies don't want to ever have to pay out so they're making it so they don't ever have to pay out but you pay them loyally every month for your entire life. Does anybody else see the scam here or is it just me???......
Don't you think a homeowner has a responsibility to maintain their home. Do you think this guy is a good risk to insure. Uae your eyes and ears when watching a video. Maybe you would learn something.
Uh, grow up…….
What is the "scam"?
He clearly is not properly maintaining his home
Sure SEEMS so.
It's just you
Progressive canceled our coverage on 4 vehicles because they couldn't see them in the driveway on Google earth! These darn insurance companies are outta control just like everything else! It sucks
God forbid you store them in the garage
Your claim is an absolute lie, garaged vehicles are at lower risk than street parked vehicles.
@@evilsharkey8954 The OP is lying to you, no insurance co is going to cancel due to not seeing a satellite image.
Wow
agreed. progessive said they could save me money. at the end it would cost me 100s more to switch. the lady kept trying to upsell flood insurance, also she went over and over for 30 mins on what types of flooring are in my home... did you know if you have hardwoods or vinyl in one room they will drop your monthly premium by 100 to 200 a month... insane.
He does less than zero property maintenance for 20 years and is complaining, his place is a complete eyesore.
I did the opposite I wanted to renovate and they cancel
You’re going to sing a different song when they drone your house
@@HowShouldIKnow6543Doesn't change the fact that house needed a new roof ASAP before it's leaks and ruins the whole home.
Then he'll really be complaining when it gets condemned.
@@meoff7602 so… recommend a good roofer before you dump a client who has done nothing but pour money into your life for decades. You ok with that or still bent?
@@meoff7602. Yeah but I think people did not buy less house than they make the money to support!!! Example I make enough to have a 1k apartment but want to live at or less than $850 so the extra $150 can go towards everything else that must be paid!!!
So he's paid into the same insurance policy for over 40 years, and they drop him without giving him sufficient time to make the updated changes, & he's never filed a claim?? Basically, they stole 40 years of insurance money from him.
That’s not how insurance works
Any chance you can offer the guy insurance?
@@romuloromero2268100% that's exactly how it works. He paid into the pool.
He had 40 years to maintain his property. He chose not to.
The sad part is that you actually believe what you just typed
FYI doing this to prevent paying present and future claims, it is all about making more money off the customers, they have to pay for these drone photos...
Of course it’s about making money….duh. That’s why they are in business.
But why would they allow negligence of the homeowner to put them at financial risk?
You didn’t think before commenting.
They took 40 years of money and left, that is a scam.
Insurance companies have practically put themselves out of business in California.
Yup
Way too much risk.
That’s because of California - you get what you vote for
@@kaseyc5078you dont vote for whether environmental risks increase. That just happens. Thank climate change.
That's called neglect!
You can't willfully damage your house and expect someone else to pay for it.
its not willfully there for not neglect which is why the company never had a issue for 40 years all the issues happened in 1 year not neglect dumbie
Correct. Then it is fraud when he files a claim. So the insurance avoids being defrauded.
Yes! Exactly.
Insurance fraud is a terrible damn problem .
This guy, yes. I 100% agree. But insurance companies are dropping even the most of immaculate of homeowner for one reason or another. Whether one believes in climate change or not, the Insurance companies do and if they think you now live in a high risk area and dont want you as a customer anymore, they're not gonna care what you believe.
@Thingsyourollup it's called maximizing profits 📈
It's a hallmark of conservative business owners.
I am a retired plumbing inspector for the insurance companies.
They sent me out on every water damage claim made in my area.
Phoenix Arizona.
I can usually find 7-10 code violations in every building.
I say code violations, and they denied the claim.
I had about 87% rejected.
Take care of your property........
I dont think that's going to do it. They've been doing this is California for years already. They drop people, and it's totally arbitrary. You have no way of contesting it if they drop you due to their secret drone inspection, you have no protections order than suing the insurance company (and good luck with that).
The deeper problem is that we have an oligopoly in home owners insurance. If you don't like something the oligopoly is done, that's too bad, because there's no one else to go to. IMO the big four collude to raise prices for customers, like a cartel. i think they've tacitly signaled to eachother that they're not going to compete on prices, and they all collectively raise premiums. There's no choice and no competing. So these insurers push the envelope to see what the market will bare, and there's nothing customers (and often, even state governments) can do about it.
@@wolfumz Based on the photos of this guy's house, the cancellation wasn't arbitrary but was based on valid excess, unmitigated risks.
@@stevetaxpayer6664sounds like a bunch of b.s. to get rich to me. Fake fake fake news bro.
Guy has been there for decades. No problem. Until now.
Why am I explaining this to you? I think you need to grow up.
@@stevetaxpayer6664yeah that roof looks terrible
@@romuloromero2268 yup pretty hard to contest not having neglected that at the very least
I'm amazed at all you people writing horrible quotes about this guy. 1st of all you don't know what his financial situation is. 2nd we have let the insurance companies get out of control on cost and the fine print. And who.cares how his credit rating is. As long as he makes his payments on time. I can't stand what they get away with. Anyway they can take our money and not pay us back. I was thinking of getting some property insurance for a place that I inherited and they told me a astronomical price supposedly cause my credit. I told them i haven't need credit because I pay all my bill of immediately, no credit card's. If I don't have the money I don't buy it. My house is payed off, cash is king. The hell with the system. Most of you owe for everything car loan, school long,credit cards ect ect
The whole “no credit is bad credit” thing is trash. The people with no credit have no debt! On time utility bills should be enough to get good credit if you have no debt.
He is CLEARLY neglecting his home and was justifiable canceled
Why should my insurance premiums go up because this guy is too lazy/stupid to take care of his own property?
Insurance companies cannot use credit score alone to increase premium or cancel you. This guy obviously is not maintaining the home, moss undermines the roofing system, it actually feeds off materials. The plant material and debris cause excessive moisture making shingles to lift, curl and seperate from the decking allowing the wood decking to rot & leak. The carriers have a duty to hold down rates per insurance regulation. I should not have to pay higher premiums because he ends up suing his carrier when they deny his roof claim due to lack of maintenance & wear & tear or if they make a business decision to pay for his new roof and rotting decking under some bogus claim.
@@evilsharkey8954 by law no credit is treated neutrally by the carriers, it cannot increased your rate.
That’s Moss on the roof a common occurrence in the northeast it may be an eyesore, but it’s not damaging
That house was well on its way to a major claim. Bad roof, wood rot and flooding throughout the house if it collapsed during a storm. Insurance company dodged a bullet.
The insurance company can and will deny any claim if the damage is linked to neglect. Consequently, there is no real reason to cancel this man's insurance.
Plus, the roof is probably not the only thing not being maintained. When the outside looks bad, the inside is usually worse. I noticed cracks, loose shingles on the side of the house too.
The insurance company shouldn't have to tell you to get moss off your roof or trim your trees.
That's on you.
But they should just drop their assessed value of your home so they don't have to pay as much if you file a claim.
Exactly. They could simply drop the value & use the pics as proof as to why. He's paid in for 40-some odd years already. Even if he made a claim, they're probably still ahead profit-wise.
Absolutely
@@Berkanae They didn't build huge buildings and stadiums paying out claims
@@Ergo8152 Is this insurance company in the business of building huge buildings & stadiums? Are we talking about their corporate offices when you mention buildings? Certainly, like any insurance company, they do anything they can to get out of fairly paying claims.
The stadium thing - did they pay to advertise their name on a stadium or something?
You know something is coming that all these insurance companies are dumping all these policies all over the country
They know something that we don't because that is their job. The peasants have to guess.
I'm guessing most of the insured have a war exclusion clause for acts of war, invasion, insurrection, revolution, military coup, terrorism...
Would cyber attacks be excluded? klaus schwab types threaten us with cyber attacks that would shut down emergency response. People would riot as the food runs out.
They keep dividing us and are trying to get a civil war going.
Weather weapons?
Nope, just bad home owners that don't take care of their places. Now my insurance rates won't go up as much with more bad customers getting dropped.
Yeah I think we should just end private insurance. Set up a government to agency to take care of that function and just push them out of the market. It's very clear Private industry can't handle this task.
@@meoff7602 I can tell you neither have had any substantial interactions with an insurance company or have any idea how an insurance company operates
@@angelainamarie9656government can’t handle sh! T. can you not learn from history ?
Mapfire insurance through AAA in RI canceled my father's after 40 yrs. He has a 4-digit policy number and has had both home and auto. The inspector made ridiculous and false claims, and there was no way to contest them.
Please explain how not renewing a policy makes $ for the insurance company.
Bob you’re all over saying the same thing and whining. You seem to be personally offended at the fact people don’t like scummy insurance companies. You’re transparent
@@QuattroSG Then how about YOU opening a non scummy insurance co and insure falling down houses? Lame excuses to follow. If I was part of an insurance co, just why would I tell others to open competition for me?
Tge goal of every insurance company is to not pay out any claims. Cancelling old policy holders is just lowering their risk of having to do so. Older buildings are at much higher risk of damage or repair s being needed.
Good riddance. Why do we need to pay an exorbitant fee every month for no reason?
Because you don't want to be cursed with hemorrhoids!
So that if there’s a disaster, you’re not left with a mortgage on a pile of rubble. Ask the folks in Kentucky who couldn’t afford homeowners insurance how they’re doing after tornadoes leveled their homes.
Well, when that branch falls on that moss covered (moldy) roof and causes it to collapse.. Good luck or just claim it as a sunroof...
Because they are insurance companies and can charge you whatever they want for no reason.
@@evilsharkey8954 I'm sure half of those homeowners either had their claim denied or are in the court fighting for a year or longer to get paid
I don't understand why you so surprised when you do nothing to maintain your home and expect the company to take a risk of insuring it. This won't happen if you maintain your home
exactly!
Lick those boots. These business practices are parasitic. Inspections of any type should come with notice, even with drones, and any repairs should be given a reasonable time frame.
If they fail to make repairs it’s understandable, but since they can and will take advantage of people if they are allowed to do whatever they want whenever they want, they can and WILL take advantage and drop people who don’t deserve to be dropped.
The insurance contracts should include rights to be notified of inspections and a reasonable timeline for repairs.
@@cynymin6420 I think a reasonable time to make repairs is a good idea. Prenotification of inspections is silly. What you fail to comprehend is that people who fail to maintain drive up insurance costs for everyone else. Don't bitch about premium prices and then complain when the company tries to eliminate high-risk policies.
@@cynymin6420 just curious, how long to you think its been since he's put on a new roof? its been decades.
@@cynymin6420 How about you opening an insurance co and offering this poorly maintained home insurance?
That wasn't just moss on a roof, that was the swamp creature from the 1950's B movie thriller in retirement.
If your that lazy to allow moss to grow on your roof like that than I’m 100% in agreement with them dropping you. You are a huge liability! I mean come on! Wtf!
It's not your .. its You're .. how can I take your criticism about him being lazy seriously, if you're too lazy to learn proper grammar but I agree with you about the moss on the roof...
Then again don't k own guys financial situation my area lots people help if ur old or can't afford.
Insurance is not to cover deferred maintenance. It is to cover perils and items listed in their policy based on selected protections. It would be like you asking your insurance company to pay for your tires because they are balding from driving them. Shingles, just like tires, are a consumable item and it typically not covered by insurance unless you pay for that particular coverage, if it is even available or exists.
What insurance company pays for tires? None. A road hazard insurance is not automobile insurance. Also Road Hazard only pays so much depending on the tread depth. Try another example.
He should put in a claim LOL
You cant
Publicly available satellite photos sure, flying drones over peoples houses is a violation of privacy. We need modern privacy laws passed as it relates to this. They had no problem taking his money for years but now he’s a liability.
you had 16 methmaking friends agree with you sir
@@unknownuserbutnotabuserYou have zero friends. 🤷♀️
@@unknownuserbutnotabuser I've never made or used Meth in my life but I agree that flying a drone over another persons property should be illegal. Here is the kicker, I have owned a drone since before they were cheap using it to monitor my own property, structures, and occasionally find a lost child in the fields. We complain about freedoms but I shouldn't have to worry about someone watching me on my property just so someone else can have the freedom to do whatever they want. If I can fly my drone around to check on my equipment than someone else certainly can fly theirs around to figure out how to steal my equipment.
@@wolfe2118 you had the right to remain silent,because anything you say can and might be used against you someday (the AI is watching)
As others have said it looks like he hasn’t cared for his house at all.
They can choose who they insure.
The tree also looks dead that hangs over the house. I would bot be surprised to hear that his wood sided house with a moss covered roof is infested.
If I was an insurance company I wouldn’t renew it either.
Now other homeowners who take care of essential repairs and get cancelled because they live in the same zip code as people who build on hills or under sea level and flood I feel bad for. The government is supposed to stop people from building where it is dangerous.
no, but they should allow the insurance companies to adjust premiums for them
No, the government is supposed to warn people that it is dangerous and then let them make their own determinations, but not charge other people to pay for those idiots determinations
Unfortunately...homeowners can barely pay for mortgage and insurance.....repairs and maintenance....there are just no $$$$$ to put toward these items anymore. Sad.
Which usually means they're living in home they can't afford.
@@valeriekehrt7566
There is a movement to keep older adults in their homes for as long as possible.
Which is a much better alternative to nursing homes.
But, there needs to be assistance to help the older adult to maintain their home.
Where I live, the Village Movement helps seniors get a low cost home maintenance contact with a local company.
The senior pays a small monthly fee and the contract covers most upkeep.
@@valeriekehrt7566 exactly my thought! they expect the insurance company to pay for it!
He was notified in the summer and the moss is still on the roof? Did it grow back already?
If you have a tree casting shadow, it grows really quickly. My parents had moss shortly after they put on a new roof because of the huge oak tree to the south.
Insurance co. cancelled his insurance while he was still getting estimates
In parts of Oregon removing moss from the roof is something that you have to do every 3 months!
@@raymondbunkofske4702 Facts..and not just in Oregon!
Doesn't look like he missed a meal scraping the moss of his roof.
IF he had not paid any insurance for 41 years, and put the money instead in an "insurance savings account" (I made that up), he'd probably not only have at least the value of the house in the bank by now, but probably a LOT more.
You think his policy was $6,000-$9,000 a year???
@@gsdalpha1358 $2k/year, %5 interest after 41 years is $278,747.26.
@@gsdalpha1358 have you heard of Compounding interest?
A bad roof is a sure way to lose coverage or will prevent buyers from getting a bank loan.
Proof?
Just put new roof on wife bithchin I spent the cash. Penny wise pound foolish 😆
dude how can you not see that roof its green leafs and green alga growing on your roof that decades of neglect have some pride
No one in their right mind would insure this neglectful owner. The only way the insurance company messed up was they clearly didn’t visit the home before insuring to begin with.
Market and actual replacement is the value of the insurance. But if maintenance is evaluated too, it should go the other way also: i was told I have a better price since providing proof my roof was not (as they reported to me to be) 40 years old! but, where is my discount for the last 10 years? Shouldn’t this be retroactive to when the roof was replaced?
Oh I think so, I recently learned that the state I live in has an insurance division, they investigate insurance fraud but they also do consumer protections when insurance companies do shady stuff.
Maybe take a look at your state government and see if you have a division that oversees insurance companies and complain to them they may be able to get your money for you.
If you don’t maintain your roof, the insurance company will cancel you. Maintenance is not what insurance is for.
Your car insurance or warranty wont cover you if you don’t change the oil
There is a transition going on in this nation in regards to insurance. It is becoming costly and very cumbersome to many. Many are simply choosing to go without because of these reasons. And the dictatorial mindset of insurers is helping many people decide to drop or forgo completely insurance all together.
Wait until people learn how easy it really is to learn how to work on your own house, walls, roof, windows. It's cheaper to buy the material yourself and install it and there are literally hundreds of really good videos online on how to PROPERLY do all this stuff. Most people are smart enough to figure stuff out when they actually put their minds to it. Nothing in the world is extremely complicated, it's just learning the skills and not being lazy.
@@TheObeyMayhem That's all well and good - but what happens in the event of a major incident, for example a fire caused by a lightning strike? Working on your house yourself doesn't replace contents. Not having insurance is just plain stupid.
There ought to be a law mandating home insurance companies to conduct IN-PERSON inspections (at minimum) of the property to warn the homeowners IN THEIR FACES of EVERY SINGLE ISSUE they consider a "disqualifier" for continued coverage.
I removed 2 trees from my property cost $$$. I've lived less than 8 years here. My California homeowners only went up by $80. Totally worth it. So many of my neighbors have been dropped and remain clueless. Its simple keep up with maintenance. Especially with climate change, the insurance companies are trying their best to cut their losses.
A lot of people aren't getting this . Insurance companies just run numbers and risk . They're not a charity, they're a business and many of these same people have their retirement , savings invested in funds that are based on insurance companies value. They're taking hits and run the risk of going under , so they have to be more vigilant . It used to be an actual insurance agent would go look at your house. They don't have time for that, so they use tools available. I had my Dad cut back the tree in our yard last summer, so it wasn't touching the roof and you can see air between the tgree and the edge of the roof, also for the large shed . This is just basic common sense home maintenance. It's keeps debris off the roof, cuts down on damage during storms etc. We kept the tree because it's healthy , well pruned and shades a large portion of the house during summer which lowers our energy costs.
As for climate change, when a bunch of wealthy conservative insurance company executives show you they believe in it, that tells you it's real and there's plenty of evidence to back it up. They're anticipating huge losses in the future and they're trying to get ahead. The fact that anyone with a house on the beach in Florida can get insurance at all is a miracle , but my personal view is that the next big hurricane , there just wont' be pay outs, Then all the government hating types will be crying for the government to come bail them out.
I was told by my homeowners insurance company that I needed to replace my entire roof. We had an old house with many different roof surfaces, many of which had been replaced in the previous 5 year,so expecting me to get a $30,000 roofing job when most of the roof was nearly new was frustrating. Every time I asked which part of the roof they wanted us to replace they just said “the roof”. It took nearly a year of arguing to get them to admit we only needed to replace one side of the garage roof. $1800, not $30,000.
I just spent $19,000 on a new roof that included a skylight and the detached garage. BEST investment ever and I also have a brand new furnace.
Why do people think there’s no wear and tear specifically a home?
That man’s roof looks like it’s about to cave in any minute.
If the outside of the house looks that bad, can you imagine the inside?
You really can’t complain. If you let your roof and walls deteriorate to that level, you can’t expect them to insure it. Even to the novice eye, you can tell that house is in a state of disrepair.
You never took care of the home
43 years never filed claims? He doesn't need insurance.
You never know when a fire, flood, water main leak, vandalism, or other incident, could occur.
That alone says they owe him a refund for breaking the contract.
Might no need insurance but needs serious maintenance
How can you insure something like that? Insurance is designed to cover catastrophic failure, not neglect.
They would deny the claim.
Give the guy his insurance back.
Correct that would likely be excluded anyway, so no reason to cancel
The moss growth was clearly visible in the video looking UP from the ground, as was the tree and the missing shingles…just saying.
Screw your insurance company before they try to screw you😢
That's the Jersey shuffle!😅😂
how dare they ask him to fix his decrepit roof
That's why you life in the state it is. Because of that kind of mentality. Maybe you should take some responsibility and accountability in your life. Things may be better for you. Just saying.
@@vblic listen here Potlicker take your own advice!!!
Years of neglected maintenace on that house.
They shouldn't be allowed to walk out of the agreement without returning 100% with inflation and interest
Completely understand why the non renewal notice after seeing photos.
Just dropped 20000$ on roof because of this , f u State Farm
Lol u got ripped off
So tell me how properly maintaining your house is a bad thing?
@@bobroberts2371 Dang bob, you are really pro insurance company. YOu have post over to a dozen comments. All for insurance company, almost like they either are paying you or you work for one. LOL
@@plusorminusandtime I'm posting because too many don't want to understand how insurance works and want to blame others. Some are saying that the insurance co should PAY to replace a worn out roof, it does not work that way.
Not everyone reads every single post like you do.
Insurance is shared risk where losses are shared between members. You can always start your own shared risk pool and see how that goes when you insure neglected properties..
@@bobroberts2371 Listen son, insurance is a money making scam. People are force to take it, bubby. Their profits are not taxed. If they get in trouble the tax payer bails them out, bro.
Insurance is not risk shared. If it was then those companies wouldn't be allow to make porfits and use said profits to enrich themselves. LOL....
Brah, do they pay you per post? LOL
When our neighbors bought the house across the street from us they were told by their agent that the roof was 25 years old and would not be covered under the policy. Hail damage and several missing shingles and age all played into the decision. However the home inspector said he would get several more years out of it before he needed replacement.
I’d agree with most aspects of the insurance co. Upkeep
Or we can’t insurance because of neglect.
So what now? When will it stop?
When you open an insurance co and do a better job.
Read your policies, people.🤦♀
That house looks poorly maintained. Moss om the shingles will destroy the shingles and results in water damage. Bad siding results water damage. Trees brushing the house may result damage that cause water damage. Insurance raises rates if you have risky behavior or careless. Why do we think it is okay for car insurance to do this but not home insurance? He became too risky to insure because of his behavior. I think it is fair for insurance company to check on the house periodically. I have had insurance companies perform an assessment prior to issuing the policy.
Risky behavior is smoking, burning candles, not having wiring that’s up to code, and grilling close to the house. That’s what destroys houses
Insurance companies give you an umbrella when the sun shines and takes it away when it rains.
The news media is hilarious, making this guy out to be a victim. Since when is everything that’s wrong with your house the responsibility of your insurance company? An insurance policy IS NOT A MAINTENANCE CONTRACT. If you can’t maintain it then you should expect to be dropped, why should the insurer carry your risk and your blatant disregard for basic homeownership? For the rest of us doing it the right way, we absorb the higher premiums from people like this guy who could chisel the algae growth off his shingles. He can’t be “shocked” if we can see it from the yard FFS. He’s been looking at it for years and ignoring it. And the nonsense about insurance companies cancelling policies in urban areas I believe is highly likely. Again, maintain it and you have no problem with your insurance company, no matter where you live. The next thing the insurance company should expect is a lawsuit from this guy dramatically and fraudulently accusing the insurer of bad faith and poor business practices. And right after that YOUR premiums will rise to cover the cost of defense. All because Mr. I’m So Shocked couldn’t do the LEAST amount expected to maintain the MOST expensive part of his house - the roof. Stop it with this BS.
Whatever, fact is that insurance cancellation saved that house. A roof like that is going leak short term. It seriously needed to be fix.
Since Covid there is a new game in town all over North America in home insurance. Due diligence is more than ever the best defence. Had that house, imo, been spruced up every 5 years who knows, maybe it would not have been without insurance now. Sad.
How is this not the right to privacy, it’s crazy how an outside photo cancels everything you worked so hard for….
Is there actually anything wrong with moss on the roof? It looked pretty picturesque to me and I’ve seen plenty of places in Europe that seem think it’s a plus. Is it actually a structural issue?
Some say it shortens the lifespan of the roof by creating a constantly moist environment, but, in my experience, moss won’t grow unless the environment is already moist.
The tree should have been trimmed back sooner, the homeowner clearly neglected to do that. The moss would likely die without the tree for shade. It’s a little unsettling to see so many comments siding with the insurance company, I’ve always been of the opinion that insurance is a scam. Personally, I avoid filing claims unless there’s another party involved or damages are minor and I can pay out of pocket.
The moss holds water and lets if migrate under the shingles. This leads to water inside the house and damage that costs $$$$ to repair, this is why insurance companies want a good leak free roof.
@@lohengrin4009 If insurance is a scam, just why do you buy it and not self insure?
Companies get to pick who they sell to.
LOL no they dont you are a fool clearly
This happened to us also. Drones, no roof issues or neglect, still got a cancellation notice.
Doesn’t matter what you do, they will make up a reason to cancel you.
Add another number to the homeless rosters.
Yes, they tried this with us too, because they said a tree branch was overhanging the roof, which it most certainly was not. I asked to see the photo, which looked like a bunch of pixels in a blender. You literally could not tell there was a house there, you could only see the car. I was able to send in actual pictures and they revoked the cancellation. Ridiculous. Also the idea that a drone was flying over my house taking pictures while I was not at home was also unsettling to say the least.
I live in SoCal and make sure no tree limbs do not overhang my roof, both for safety reasons, and to keep vermin off my roof.
So, if no claims were filed then reimburse the money paid during those 41 years. 🤔
Or even half of it, which would probably give him $25+k
Then he can have all the work done and find a new insurance company.
The insurance industry is a scam..
Another factor is time. If that guy yad a policy for years with no claims the odds of a big claim coming in the future would be higher. After all on old house has more problems and if they dump him early they avoid ever paying out a cent. Insurance is after all a scam most the time, otherwise they would not make a profit.
There should be a law that the insurance company has to give a homeowner 6 months to correct whatever issue is holding up renewal. On the other hand, you need to maintain your house.
Yes. A few weeks is not enough because it can take a while to find a good, affordable company to do it. A tree that size will cost thousands to trim, and it’s not even the house!
He was told last SUMMER 2023 of the non renewal, it is now SPRING 2024 see time 030 . The law only requires 45 DAYS.
@@evilsharkey8954 I want to add on to finding a good, affordable company with the time available within the grace period to complete the work AND protections from in case the company isn't able to complete the work in time. It's not the home owners fault when a company over books itself and can't complete the work on time when promised.
@@bobroberts2371please tell me your middle name is not Robert....good Lord. You wear tube socks by chance?
@@kittykat7858😭😭😭😭
House is a standing claim why would they insure it lmao
As a retired Underwriter I can say it is annoying that an insurance company needs to tell a property owner to remove live moss from the roof and make other needed repairs. The problems with siding and worn paint just invite moisture issues, hence mold. That moss is undermining the roofing system and will lead to wood rot to the decking with premature loss of the granular surface and lifting of shingles which wind can easily rip off. To limit this exposure carriers refuse to write poorly maintained risks, it's a no brainer for those of us keeping up maintenance. It doesn't help if he just cleans up now, the decking likely has rot and water likely has gotten in in places you'll never know until the loss occurs. Banks should require home buyers take courses to learn proper home maintenance. The rest of us do not deserve the high premiums caused by lack of maintenance.
He was growing a sports grass field on his roof for a future sports team to play on via an expansion team by MLB, NFL & MLS!!!! 😅
Really now? Dude turned a blind eye to the “usual upkeep” maintenance that one should assume necessary as the owner of a valuable asset… wonder what the interior of the place looks like?
If you get dropped and some how get new insurance you will still get screwed over when putting a claim in. They will go back on the previous policy and why it was dropped annd blame poor maintanence. Second they will charge you through the roof. Just look after your home. Better to maintain it then live in disaster. Be at risk of fires, mold, ect. An insurance actuaries job is litterally to assess risk.
How old is the roof for that much moss?
REAGANOMICS ... early 1980s DEREGULATION of the insurance industry, they make net quarterly profits in the BILLIONS. How is that working out for everybody... just like we said it would 40 years ago. GOOD LUCK USA.
Please go back to the kids table. Insurance is regulated by each individual state, NOT the federal government, and each state has its own rules and regulations regarding all types of insurance.
I can see why insurance companies are canceling coverage. It’s a homeowner’s responsibility to maintain their home. Moss on a roof is a sign of serious moisture issues, and debris is either a fire risk or in risk of falling on a home. All this homeowner had to do was clean up a little; instead, he’s crying to the tv network. Ridiculous.
I mean yes they could have used a satellite image, like has been done in other cases. But that place was clearly neglected and you could determine it from the sidewalk. I would hate to have a house like that beside mine.
Ours was cancelled years ago after filing a $1400 claim. They waited two years to collect $1400 in premiums and then cancelled our policy. I used the saved premium money to improve the home. Insurance is nothing but a rip off!
Ever see houses in city slums they are insured.
The banks and insurers do that as a bet to try to score the land, not the building. They are praying for an electrical short or an act of god to roll the 7-11 and make a profit off of it.
Imagine what the interior looks like. Have some respect for yourself and the neighborhood. No sympathy from me regarding what the insurers have done to him.
He has such a beautiful home, but he has a bunch of potential dangers for liability. Maybe he should get a house mate so he can afford the repairs.
I agree with the comment below mine whole heartedly. This guy has a roof neglect situation like I have never seen before at 61 years of age....in NE US.
Don’t we have Air Rights about our homes of 1,500 feet. Means they can’t fly over your home.
FAA claims air rights a millimeter off the ground. Most areas have a 500' above ground limit for aircraft.
I think if you pay an insurer for 10 years and you never use their insurance and then they cancel you they should give you half of the money back. Cuz we know they didn't even use a quarter of it for payroll and processing so they should give back at least half.
Tell us you don't understand insurance.
Insurance is shared risk , you don't seem to understand this. But you will when you open an insurance co and insure neglected houses.
The house looks like a fire trap too.
Doesn't make a difference. Insurance companies will refuse to pay damages or lowball you. If you have insurance, you need an attorney.
Was refused home owners insurance be had 2 claims at the current home and one claim with a different carrier on a different home in another state over 4 years prior. The claims were for totally different home in two different state yet I was classified as a high risk when the damage was weather related not due to poor maintenance.
Another video. Insurance company cancels San Diego church's policy based on satellite images
And his roof looked fine!
Insurance is extortion. Start treating it as such.
Google. It's disgusting
Google 1993: "Don't be Evil"
Google 2024: "We build military drones and own the flow of digital information. We don't like you."
Everyone should start using their insurance. Make them pay.
This isn't new, Allstate used a drone to examine my house nearly 9 years ago and ended up cancelling the policy. I had been with them for 15 years and had no claims.
⚠️Smart move on the insurance behave⚠️ The insurance decided to terminate the policy because they observed a black spot on the roof, indicating that repairs would be needed soon. They anticipated that the owner would file a claim for the roof within one to three years, and the insurance would have to cover the costs. Therefore, they chose to end the policy now to avoid future expenses.
The insurance company is correct. Other homes will have to pay higher rates due to this one home in terrible disrepair. Any insurance company that would insure this home is looking at a large loss.
I support this practice because these are homeowners neglected their property which will lead to damage and leading to more claims. This will drive up cost for everyone. Clean your roof or any over hanging tree branches. That house roof is full of moss growing which show sign of neglect.
How about setting guidelines and regulations for insurance companies, and same for the home owners? Instead, they see an opportunity to take forty years of the customers money without having to risk a future claim.
It would have been nice to hear how mold that roof was. Looks like garbage.
Makes sense, his house looks like shit. I mean even the houses next door are taken care of but not this guy. If your house looks like a drug den, odds are you're not going to be insured.
He has a lawn growing on his roof. Any responsible homeowner would have gotten that off before it got like that. A roof wash in my area for that size roof would cost $200 if you don't want to do it yourself. He is letting the home go, it's clear. Peeling paint exterior, isn't managing overgrowth and tree hazards. He's a negligent lazy homeowner. ANd crying to the news that his insurance dropped him bc he didn't take their warning seriously.
Spend decades not maintaining the property. Then your surprised that the insurance company doesn't want to be on the hook. I can only imagine what the inside looks like.
Regulate insurance companies.
Make it so they won't have the ability to blackmail or discriminate so easily.