Insurance companies are monitoring homes from the sky, causing headache for some homeowners
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- Опубликовано: 26 сен 2024
- Homeowners across the country have had their coverage ended due to aerial monitoring of their homes by insurance companies using technology including drones, airplanes and satellites. NBC News’ Adrienne Broaddus speaks with homeowners who have been affected.
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#Technology #Drones #Insurance
Dude says they might even lower premiums. An insurance company…voluntarily lowering premiums. Not sure I’ve either rolled my eyes or laughed that hard in a long time.
Exactly
100% lol
Right!! I was thinking the same thing! How often has that EVER happened? How often has a person's home insurance premium cost been willingly lowered by the insurance company!? 🙄
I was laughing from the start, what does this company think insurance is lol
That's like the US Government declaring the price of food and gas will go back down :D that never happens
We give insurance companies in this country far too much power. It needs to be reigned in.
Shut up click your seat belt put your helmet on and open your wallet.
Corporations in general, have too much power.
That's not going to happen you're too scared to do that
These are the MAGA rich corporations supporting what it’s beyond comprehension.
@@RBzee112Fascism
that CEO is CRAZY - They are NEVER going to lower your home insurance based off of drone or plane images.
Yeah I laughed when he said that. Insurance companies are NEVER going to lower your rates, only increase them.
I want whatever he is smoking.
That should be illegal for them to do that in first place
Notice how he said to raise the price then he said “potentially lower”…they are money seeking not seeking to ease financial pressures on their neighbors. Think about all the elderly they’ll rip off and it will be easy because the elderly are tired and don’t like to take the time and mental space to fight it.
100%
The federal government needs to make laws that stops this invasion of privacy.
😂 No government in the history of human civilization has ever been concerned with stopping the invasion of privacy. But I'm sure that the US government, which operates the largest and most sophisticated surveillance apparatus ever, is rushing to stop drones from filming from the air.
@@wavejumper86They'd stop it, only to make another way to gain more information. Always a cover-up for something else entirely.
You don't own the airspace above you. But, I feel, just as there is a legal limit to the resolution of satellite imagery, there should be a limit to a drone filming your home. They will still be able to do it since completely banning it would impede on other aviation rights, but there needs to be a limit of how detailed the footage can be.
If anything they'll encourage this behavior since they're allowed to access companies information profiles on their customers. Just like Facebook, Twitter, Google, apple etc, the government would love to have private businesses, in this case insurance companies, collecting data on their population for them. @@wavejumper86
@@wavejumper86Of course. How could the US government allow another entity to spy on what it is spying on. "National security" as they say.
I'm sorry....undeclared trampolines?!?! Should I just put a "No Fun Allowed" sign in my yard?
This is why it shouldn't be illegal to not have insurance
You can only put up the sign if you get written permission from the HOA Karen first
No mortgage and you don’t have to buy insurance
Anti drone missile launcher might be called for.
You can get a insurance rider for a trampoline for $8-10/month. Most policies by default exclude trampolines specifically because of the increased cost of massive payouts. The lawsuits that can come from a random neighbor kid using your trampoline or pool & getting injured can be massive. I wouldn't want to have a trampoline or a pool without a rider attached to my insurance.
Don’t like innovation
That CEO looks as sleazy as the insurance companies themselves.
Looks a lot like Gavin Nuisance.
Narcissistic individual
He looked absolutely slimy
all CEOs no matter what they invent are still corrupt
They did him dirty though. I'm sure he said a lot of good things too but they only showed you the 5 seconds of him saying the technology could lead to people getting dropped or rates going up 🤣
America has become a joke. Home Insurance, Mortgage insurance, HOA, property tax, Mortgage interest.
Lets not forget States mandate auto insurance... But then its said to be unconstitutional to have mandated health insurance ?
@@damham5689Not that I am on the insurance company or the governments side but auto insurance is so you can pay if you have an accident. Health insurance is a personal choice. But like I said I am not on any side here. I am also very much against most all government.
@@mikepalmer1971The ACA makes you have health insurance and you have to prove it yearly.
This country's leadership has such contempt for it's citizens.
@@MichelMawon4982 The ACA? What is that and what country? It’s not in America.
People getting dropped over " discolored roofing" is ridiculous. They realize its outside in the weather and birds crap on roofs right?
On a sloped roof, those discolorations are the leaching of zinc off of the roofing nails. Not a reason to cancel insurance. Very sad about this greed that has taken over our society.
They know what to look for, yes, discolored roofing and the age of the roof is clear indication of the need for a new roof.
So they are not doing Thier jobs while u pay them ok scam @@tonyburzio4107
@@tonyburzio4107 what a bs. Here in europe it's not unheard of to have 50+ year old roofs functioning properly. Sometimes a few tiles need changing, but redoing the entire roof due to discoloration is such a usa thing....
Right, like now let me see all of their rooftops on ALL of their buildings !
Absolutely dystopian. Did the insurance company file a flight path, get the persons consent to fly a drone over their property or mention it in the agreement?
No.
Free drones? Don't mind if I do. :)
No one fully reads contracts anymore. I bet that not the only thing you signed your rights away on and no contract lawyer is gonna have the time or money to fight for one itty bitty insured person
All i get is a feeling, that if you are living in the US, everyone is trying to scam each other. Unbelievable.
Even our president is scamming us.
It feels like that... But if everyone was I think we'd be deeper up a creek than we are right now
@@flyte707 :(
It wasn't always like that, but it sure is now!
US propaganda spawned a group of people who will use and abuse anybody to make a buck. That's the consequence of brainwashing generations of people that being poor is entirely one's own fault and that it never has to do with bad legislature or bad luck.
When has an insurance company ever LOWERED their premiums?! What absolute bull💩
Install a new roof on your house and the perineum will go down.
It's always increasing
They just don't want to pay out
@@bobroberts2371yep, they will.
GJW, my boat insurer lowered my premium this year. I was flabbergasted. It's the only time in my 52 years on Earth, that has happened.
Half of the shingles in the USA have rain streaks like that. Not a sign of damage.
Its straining from bacteria - which has nothing to do with integrity of the shingles. ( which are there products that if treated will eliminate it.)
The streaking has nothing to do with integrity of shingles it cause by a bacteria - and can be easily treated.
So the guy paid $500 for an independent inspection, just so the insurance company will turn around and give him permission to pay them again? Then when he actually needs the insurance company’s help, they’ll deny him.
Yeah. But at least when switching to another company they don’t have to tick the box “are you ever denied or stopped an insurance policy?”
It’s getting hard to keep any insurance company in California, it was probably either pay for the roof inspection or end up without any insurance at all.
@@SreyaIJpeople need to stop building in at risk zones.
Nobody charges for independent inspections if you pay for one that’s your losss and deserve to lose your money
@@SL-pg4dhWhat does dirt on a roof have to do with a high risk zone and the streaking/staining of roofing shingles on the ladies house in Virginia is total nonsense. I live in Maryland and due to particulate matter in the air from dust/dirt etc especially if you live near a high traffic road or interstate is absolutely normal. I had my roof replaced less than 6 months ago and the shingles are already getting some staining and they can stay that way because pressure washing them just decreases the life of the shingles. Lastly I dare anyone to show me a flat roof that does not have a few “bird baths” on them from construction inperfections and settling
It's illegal to film a person's backyard without their consent. This is great grounds for a class action lawsuit against those insurance companies. Just be sure to not settle so these companies have a permanent record.
Actually I just did a little research after watching this and it would appear that in most places it’s legal to take drone images from a distance. It’s a very grey area, which is creepy. Insurance companies are evil.
@@ronswansonsdog2833 @ronswansonsdog2833 Yes, can you fly a drone over over personal property but the catch is you cannot film or video without the landowners permission. Even drone images at a distance are illegal if they film a private space because it's a violation of an individuals privacy rights. The catch would be that if you can reasonably view the same content from a public space its not private but if a home has a privacy fence, any breach of that fence line with a filming device is a privacy breach. These are civil rights laws, not criminal statutes, unless one violates a peeping tom law or something similar. Every citizen, regardless of State laws has a reasonable expectation of privacy. Law enforcement cannot even film in your yard without a warrant. In Texas, home owner rights are even greater than most other states. In Texas, your vehicles are also an extension of you home and the same rights apply. There are also criminal statutes that would apply if for example your kids where running around your private back yard without clothes.
@@ronswansonsdog2833 @ronswansonsdog2833 Yes, can you fly a drone over over personal property but the catch is you cannot film or video without the landowners permission. The same regulation also makes its illegal to shoot down a drone. Even drone images at a distance are illegal because it's a violation of an individuals privacy rights. The catch would be that if you can reasonably view the same content from a public space its not private but if a home has a privacy fence, any breach of that fence line with a filming device is a privacy breach. These are civil rights laws, not criminal statutes, unless one violates a peeping tom law or something similar. Every citizen, regardless of State laws has a reasonable expectation of privacy. Law enforcement cannot even film in your yard without a warrant. In Texas, home owner rights are even greater than most other states. In Texas, your vehicles are also an extension of you home and the same rights apply. Additionally say for instance you children where running around your private yard not fully clothed, that filming now becomes criminal.
@@ronswansonsdog2833 Yes, can you fly a drone over over personal property but the catch is you cannot film or video without the landowners permission. The same regulation also makes its illegal to shoot down a drone. Even drone images at a distance are illegal because it's a violation of an individuals privacy rights. The catch would be that if you can reasonably view the same content from a public space its not private but if a home has a privacy fence, any breach of that fence line with a filming device is a privacy breach. These are civil rights laws, not criminal statutes, unless one violates a peeping tom law or something similar. Every citizen, regardless of State laws has a reasonable expectation of privacy. Law enforcement cannot even film in your yard without a warrant. In Texas, home owner rights are even greater than most other states. In Texas, your vehicles are also an extension of you home and the same rights apply. Additionally take for example you have young children running around your backyard and they aren't fully clothed, the issue now becomes criminal.
Yeah, ok
Basically they look for homes that MIGHT use their insurance and the company is finding a way out before they have to pay
yes exactly you would do the same if you were insuring 100 homes .
defeating the purpose of insurance.
Is that any different than someone selling a car before it goes through a major maintenance period .?
@@Matt-yg8ubyes.
If they are get good enough at this, they never ever pay for anybody’s roof repair.
… despite ostensibly providing a service known as insurance
@@Matt-yg8uban insurance company that never pays out is just a corporate thief
Has anyone ever had their policy lowered? Cause I know just about everyone's had it raised! So sick of crap like this!
Only if I go out for new quotes, including getting a new quote from the current carrier. I’ve never had them drop the rate themself.
Our rate drop about 200 from last year (found out when we got our renewal docs).
My insurance company stopped insuring in our area and my agent found an insurer with same coverage and lower rate. Only $100 but in 10 years that's a thousand dollars, so definitely a good thing (unless they raise their rates, which the other company was doing anyway).
never. we got dropped from our carrier over some B.S. like this but ended up saving a ton of money with a different insurer so i guess it worked out.
our rates dropped recently out of no where. Kinda shocked us but it's lower now. hope it stays that way
If you want smaller government, then we want smaller companies and corporations
Where does that comment fit with this report??
@@koda3967because if you don’t like insurance companies doing this, who is going to stop them?
Do you think smaller insurance companies would fix this issue?
Deal.
Smaller insurance companies won't launch satellites.
This is the end goal of the insurance:
Keep it clean and "safe" so that you'll never do a claim but pay for ever and premiums go up every year.
Next to HOAs ...insurance companies are the cancer of this earth.
Yup. But if you are allowed to drop them for another company, they should be able to drop them as well.
HOA's are not all bad . If you have a neighbor that is a slob and has multiple broken down cars supported by cinder blocks, you're going to have a hard time getting that eyesore cleaned up without an HOA.
@@Mlogan11You are a nosy neighbour. Most people aren't, so they wouldn't care. HOS is high school all over again.
35 years without ever filing a claim. Had I invested that money from the start I surely could have rebuilt my entire house from scratch twice.
@@billl1127 This is what Im talking about. Its a freaking ripoff.
2:30 "Do you think the insurance company was trying to drop you?"
"Based on what they sent us, yes."
I'm dying!
That's insane!!! Over the greed of the companies and corporations!! 🤬
Stop being poor. The easiest solution.
@@Random-dndsdfaf what??!? That has to be one of dumbest responses. Bot!
Sounds dystopian to me. Over reliance on technology will be humanity's downfall.
I think for some but not all. Some people can survive without it.
i say that too this is a Dystopian society now all governments CEOs are all corrupt & only care about money they dont care about citizens
we are using negative uses of technology
Humanity’s downfall will be lack of organizing and action
Nah, it's ALWAYS a lawyer nearby causing problems. Always.
That CEO is very disingenuous. Everyone knows the insurance companies aren’t using this information to lower premiums. In these instances they were definitely looking for a reason to drop coverage altogether.
He was just looking to avoid a bunch of hate mail for building a business offering this service to the insurance companies. He knows they will never lower premiums based on his drone footage. As a matter of fact I am sure the pitch he made to the insurance companies when selling them on his service was that they would most definitely be able to offset the cost of his services and turn even better profits by increasing premiums and dropping long time customers whose properties had increased risk over the life of their policy. I am sure that was literally his sales pitch.
😂@@hskrgrad
There should be a LAW that home insurance companies MUST have a ROOF inspection before deciding to cancel.
So then we are becoming socialist? We are capitalist. Choose another company and they’ll adjust.
How about just not invading peoples privacy by sending a drone without homeowners approval!
If insurance companies had to pay to keep a bunch of roofers on staff your premiums would be even higher
@@jav9069 unfortunately u dont own the airspace (or space space) over your home to infinity
@almondjoy123 how about an inspection prior to opening a policy? Needs to go both ways to work.
It's always nice to see large companies going above and beyond to raise the bar for mass surveillance.
undeclared trampolines???
Forget Safeco. We have had our house for two years with zero claims and going into the second renewal our insurance was going to be $3000+. Up from $1100 when we bought. No changes to the policy either. Dropped them so fast when I saw that and wished I did it last year.
Went with a different provider and upped all coverages and renewal was $2200. Definitely worth it to shop around, don’t get complacent and waste your money staying one insurance carrier. They don’t care.
Shaftco?
Sounds like a blanket raise in the area.
This is Big Brother, pure and simple. Outrageous.
Voting with your wallet usually means less regulation, and less regulation is at the whims of human nature. Which means animal nature. And when the cat is hungry, he will eat the baby chicks, flesh more tender and easier to catch.
Nope, this is corporate greed. Pure and simple.
And you're not going to do anything about it anyway so who cares right
@@dimcclungcorporate greed is part of Big Brother
@@dimcclung ITS BOTH.
I'm a Certified drone pilot for the FAA. If any insurance company tries to hire me. I promise I'll tell them to go F,off. I will spread the word in our community!!! Independent drone pilots will NOT be helping insurance agencies!!!!
Don't act like you work for the FAA. You're a 107 operator and the FAA is the only way to get certified via a 1hr computer exam, that's it. "Certified drone operator for the FAA" LOL
@@andrettransformerThere’s a whole lot of studying that goes along with that test, curriculum which is updated constantly as new regulations come out and because of that needs to be passed every two years to maintain your license. Lawful, commercial drone operation is not an intuitive thing. There’s a shitload of things that are illegal which seemingly shouldn’t be, and a ton of things that are legal which seemingly shouldn’t be which anyone would hesitate to perform.
I’m also a drone pilot for the FAA. I’m gonna take TWO insurance jobs to offset this guy not helping insurance companies.
@@andrettransformer flying for comercial purposes requires a different license. If they’re making money with their drone it’s not a 107 🙄 “for the FAA” is a bit misleading tho - drone pilots are licensed by the FAA, not employees working for the FAA.
They will just hire someone else to work under them, or eventually AI will just be certified to do it 😅
You think you’d hear this only on a South Park episode.
It's not just your insurance company watching from above. Many local governments are doing the same. Did you get a permit for that shed or deck you built recently? Big brother is watching.
Imagine you catch a cold and your health insurance drops you for now having a weak immune system.
Don't give them any ideas.
Health insurance companies: note taken 😂😂😂😂😂
You gotta love capitalism
Great idea!!!
@@austinhernandez2716 If you think that's the result of capitalism you are sorely ignorant. No one has the right to demand someone else's labor including doctors.
The insurance industry is such a joke. When I think of insurance I think scam
100% correct! Nothing but "legal" scam job!!
Scam to the 100th degree
Then don't use it. Just save up your own money in case of an emergency, instead.
Do everything you possibly can do stay out of the system.......
This isn't invasion of privacy?
This is the future. …”You will own nothing and be happy.” -Schwabb
@@april-showers77I've been hearing that phrase a lot lately
That was my first thought. Their inspection should be declared ahead of time with proper notice.
We have long since passed that.
im not so sure outside in broad daylight qualifies as a private space.
"Undeclared trampoline" Let that sink in...
Undeclared trampoline? 😳
These are home insurance companies now trying to be like medical insurance companies - getting rid of customers that look like they have "preexisting conditions" and only keeping clients with near zero risk levels.
We are told we should embrace future technology and how it will make life better- and then they turn around and do this. This is why everyone should be concerned about what companies will do with growing use of AI.
Spot on!
Our privacy is under attack on multiple fronts. We need a comprehensive, national law to ensure this basic, essential human right.
make privacy great again this crap is gone political
@@mattburrito
Something most of us pretty much agree on.
@@sfkeepay
these politicians are not friends they are enemies all politician leaders are the real public enemies
vote red, blue politicians don't care about your privacy.
@@sfkeepayIt’s a drone Jesus Christ. At least mention smartphones if you gonna speak on security. Everyone tweaking over roofers getting an idea if a roof is damaged or not after a hail storm🤣
INSURANCE COMPANY: "Sir you lied. You are a smoker and you claimed you were a non-smoker."
[Shows Picture]
CUSTOMER: "I am a non-smoker. What your picture shows is my backyard grill and the meat smoker."
INSURANCE COMPANY: "We are dropping your coverage and will attempt to have you prosecuted for fraud."
Had this happen to me with Nationwide insurance. I was with them for 32 years when the sent me a non-renewal letter due to a small spot of moss about 3" x 10" on a porch roof. After receiving the letter I cleared the moss and contacted them to let them know it was cleared. They wanted a receipt to prove it was removed and when I explained I cleaned it myself they said they would not renew my policy without a receipt. I provided pictures showing the moss had been removed but they wouldn’t accept anything less than a paid receipt. I had to find another insurance company which charged me more due to the fact that Nationwide dropped me. What a scam!
You thought Alex Jones was talking about police walking up and down the road when he said the US was turning into a police state?
No, this is what he meant. A state of CONSTANT surveillance
I'm gonna paint a giant middle finger on my roof
Do it with two shades of shingles, while/if they are being replaced. People have been spelling things on their roofs this way for ages.
The 80s were so much better than times are now.
They really weren't. The totality of things were worse.We were just oblivious to it.
@-.._.-_...-_.._-..__..._.-.-.- yes, the 80s were much better. I could call you a toggaf and not get canceled.
@@-.._.-_...-_.._-..__..._.-.-.- mentality has changed us a lot , this is enough for it to be a tad better than today's world times
@@-.._.-_...-_.._-..__..._.-.-.-indeed
@@-.._.-_...-_.._-..__..._.-.-.-hahahah there were no lgbtq crazies indoctrination children in the 80s. Kids could pay off their college loans after college. We were far far less racist and didn't have BLM in the 80s. LIFE WAS WAYYYYYY BETTER!!!
Technology is not our friend
100% Truth!
You’re using it now.
@@moonshoes11😂😂😂 right?!
@@moonshoes11and this exactly supports the point! Social Media is not our friend!
@@jtpalooki7757
That conclusion doesn’t follow. Using something for entertainment makes it unfriendly?
If you think it is a problem, why are you here? That doesn’t add up.
What bothers me is that these Insurance Companies are not doing their due diligence when it comes to investigating these images. They have a responsibility to at least do further inquiries being attempting to "cancel" a Homeowner's Insurance. I have a distinct feeling that these is going to lead to Lawsuits against the Insurance Industry.
Plus Ai's will be evaluating the photos to raise premiums or cancel policies. Its gonna be a clusterphuk.
Sounds like it already is.
Robostamping worked so good in the GFC we're just going to Robostamp everything all the time - AI proponents
That is exactly what you are looking at here actually.
People need to remind the companies drones are not allowed to be flown over residential areas to film. Most places have these laws. Just sue them. They admitted to breaking the ordinance.
They are using Google Satellite view & street view. Everyone can see everything. Private Finance was deregulated and now owns everything, in every sector. They use technology to optimize profits in everything from our utilities to our healthcare. Our government abdicated oversight for our well being over 50 years ago. Now, we are an end of empire nation, that may not even hold on to democracy, if private finance has their way with us. We will own nothing. Private Finance controlled Business will own everything, that’s their actually WEF plan.
That's complete nonsense. I'm a licensed part 107 commercial pilot. The FAA has the sole authority to regulate airspace in the United States. Not some HOA, police department, county, military etc. The FAA. As such, as long as the remote pilot in command is licensed under part 107 and is in unrestricted (per FAA) airspace, he can fly over whoever's house he wants.
@@loudandclearmediaso true as no one owns the air over their property. They only own the land. Dates back to the chicken farmer in North Carolina. Hence why airplanes and helicopters can fly over any spaces. And you only need a declare flight path to fly in restricted airspace approved for those places.
M pretty sure the attorneys at the insurance companies checked those laws before flying the drones and appearing on national television.
Well my community has an ordinance and the sherrifs department will down the drone with a jammer
This exactly happened to my parents who live around Pittsburgh. They just saw some dirt on the roof and told them to replace the roof or they will be dropped in 30 days. This has zero benefit to the consumer, only benefits the greedy insurance companies.
This year (2024) is supposed to be a nasty hurricaine season. Insurance companies are trying to dump as many potential casualties as possible before it starts
I don't want a carrier who actively look for reasons to take money without ever paying out.
They all do... that's how insurance works...
Too bad it's all of them, they all rigged it from the start
I've been with Travelers Homeowners for over 25 years. And they just recently sent a letter with the same BS
This is crazy! Are insurance companies doing this without peoples consent? If so...this really makes me nervous.
Yes, they are. Just happened to me. After 25+ years with the same company. Never filed a claim. They are dropping my coverage for the same bogus BS
@@latoyadavis7 Did you check your contract? Most likely it allows them to come out and look at your property at all times.
I don't see the issue. Why should they need your consent? Should you need their consent to drop them?
Somehow it became even less worthwhile to own a home. I doubt this happens to the private equity companies that own so many houses.
Obvious no, they only force you to buy insurance if you are financing.
So did the insurance company reimburse you for the unnecessary inspection you had done because their "aerial photo inspection" wasn't accurate?! They're trying to cheap out! Class action suit time!
Can't believe these insurance companies are unregulated
I'd like to ask Piers Dormeyer if he's even seen an insurer lower their rates after using a drone.
Idk how this works in other states but in Massachusetts flying drones over peoples houses and taking photos would be considered trespassing. Your property has air-rights.
Also the streaking has nothing to do with integrity of shingles it cause by a bacteria - and can be easily treated.
How is nobody mentioning this is a violation of privacy & even trespassing? When you buy property you also purchase the vertical area above & below.
What are you smoking? You don't own any airspace.
No you don’t.
I cant stalk people why can they
Even the CEO couldn't keep it together when he said "Maybe even lower the rates."
Every business decision comes down to one thing.
It's not the quality, it's not the customer, it's not the reputation. It's the shareholders.
Don’t forget the executives.
@@TookAHikeNowWhatJohn and Jane??😂😂😂😂 you mean Chan and Shang and they don’t
“Live down the street”
Get real.
Car insurance companies are also using apps in the name of reducing premiums. This is all the increase and protect their income. Cruel greed
When a company does that, there is always another one wanting business. I used to think a guy who worked for a friends dad was insane for having a huge gilly net spanning over most of his back yard and insisted what was in his back yard was his business alone or it would be in the front yard. Man was just ahead of his time.
Why isn't that if your insurance drops you they don't give all the money you put in back? Only seems fair.
💥💥Game changer💥💥
Why? Because the money that you pay in premiums isn't exclusively yours. Insurance is a pool of funds shared among a group of people for losses they may incur that they, as individuals, couldn't afford to replace/repair.... your neighbor or buddy that got the *free* roof from the insurance company? You paid for part of it. People just don't understand the concept of insurance.
@lfkatzke, thank you for your clarification. However, that is already understood. I believe the crucial concept here is that if they choose to terminate our business relationship at any time, they should refund the paid amount, as opposed to us voluntarily taking our business to a new company. In the latter case, they retain the money. Over time, a "blacklist" will naturally form, which will deter undesirable customers and maintain high retention with valuable customers.
@@bullrunreadythat's an absurd line of thinking lol. You were paying for financial protection in case of an accident over a duration of time, and in the duration of the time you paid, you were given that protection. You aren't entitled to continuation beyond what you've paid, and terminating the relationship doesn't make the insurance you've already received stop existing.
The only difference in your world is that rates will just be higher from the jump since companies know they can't drop anybody, and anybody who tries to recover damages will be accused of fraud. Because surely if somebody damages their own roof to get back their insurance money, that's not allowable and would be an exception to the refund, but then they could claim that anyone with an ugly roof wasn't doing proper maintenance as a homeowner and wanted their money back for nothing.
@lukes9192 your reply is absurd. There's no protection guarantee with insurance. They can simply deny your claim just because and cancel you just because. You're paying insurance because you're not wealthy enough to pay cash for your home and therefore it's the law. It's legal theft. The whole system is a joke and it's clear you're married to it.
The drones flying overhead will not be used to lower your insurance policy, you can bet every last sweet dollar you have on that one.
I should take that bet, mine was reduced. So there!
@@tonyburzio4107 I call bs on that one.
Shouldn’t they have to notify you when they spy on you? Because robbers are using the same technology. It would be nice to know who is looking in you house. My insurance company hasn’t been here in 23 years now I’ve had to put new roof on house that wasn’t leaking and put rails up where we have never had them in an area that is never used. And clear trees so they can get a better look.
In 23 years you can be sure they have at least once. You just weren't home.
If I was that guy I would’ve fired my roof and still switched. 😮
I hope they have insurance on their drones.
They do but we're the ones paying for it
This is wild.
That's what happens when the average citizen of a country refuses to be a real citizen and become a joke
@@divergentthg7925
this shouldn’t be this way at all very wrong
This is insane
I see a drone looking at my house. Pew pew
I'm quite positive that by doing this, you are breaking privacy laws and should be charged with privacy evasion. What they are doing is an unjustifiable intrusion into the personal life of another without consent, which is illegal in America.
Very intrusive
this is illegal & criminal
Insurance companies have gotten out of hand.
They’re getting even worse than the major banks.
They are all in on it
If you cant pay for your house in 5yrs you spent to much money on a house
If your insurance company drops you, you should be entitled to a monetary service refund. You paid to have coverage and never received coverage, so you should get that money back.
Why yall still taking this ? We should be fighting back and standing together on these issue and yet we fight each other and they win
1:00 - So if the insurance company found an issue; shouldn't they offer to fix it before dropping a customer....isn't that a breach of contract on the insurance company?
Nope. Wear and tear or natural degradation are not covered.
You will have no privacy, own nothing and be happy.
Klaus Schwab-
Hand rubbing intensifies...
Mwhaa mwhaa mhwaa mhwaa!
@willbooker6153 exactly smh idk how they aren't scared to be public
They will tell us that we will be happy. Sharecroppers weren't happy. Slaves weren't happy. I don't understand why they think we will be happy being those things. We won't and we're not doing it.
And be a joke of the world😂
thats what capitalism does makes life unfair
No wonder a lot of residents are living off yachts and Rvs
Try to insure a drone jammer on your roof and see what they say.
They're THRILLED to take your money, until you might need they're help.
Just remember, these are the people we gave control of our healthcare too. Anyone having buyers remorse?
will insure you but we got to make sure there's no claim possibility
Isn't this a breach of privacy issue? Along with pretty much defeats the point of having insurance, which is for when something does happen.
Since when do you have privacy from above? I understand on your property but above? You can fly drones, news helicopters, and passenger jets over people's buildings or property.
@@j.a.3138 right, there is airspace that is dedicated to that purpose, however it's not typically used for the intentions of directly spying on people. In fact it's technically illegal here in NC to do what these companies are doing, not a lawyer but from my understanding. Flying a drone or what have you for the sole purpose of taking photographs of the house and occupants in some cases is considered peeping similar to a peeping Tom. I imagine it's much more complicated than that, because they love making laws unnecessarily complicated in some cases.
All in all though it just begs the question of why even have insurance, if all they're going to do is soap dodge any chance they get. I understand reducing unnecessary risks, yet it's getting to the point where we pretty much need to live in perfect little bubbles at this point.
It's time to end the Home Insurance requirement.
Big companies will always step over the line unless there are laws to stop them. Always.
well it’s capitalism we live a dystopian capitalist culture
2:10 And tell them you will be talking to a lawyer and see how they respond to that. Ill bet in 90% of cases they back walk it faster than the unlicensed guy flying the drone took the picture.
Ever price a lawyer? Easier and cheaper just to find another insurance company. There's no public defender for civil suits.
@@lfkatzke As a matter of fact I have, I have many who are close blood family. I know all too well what a GOOD lawyer costs, Public defenders are not lawyers, they are scam artists who work for the courts. If you are not paying your lawyer personally you cannot trust him/her... Period. My sister was convicted of conspiracy to commit murder, along with her 19 yo bf who is doing 42 years for Murder.
@@lfkatzke Oh.. and a key fact.. It was our mother they killed.
That won't even fly because why nobody's going to give a care about you since you don't care for yourself to be real citizen😂
Is the airspace public property or how does that work? Isn't it legal go take a pic of private property if u r on public property, but illegal if u r on private property? These drones and cams in the sky are opening new doors but also causing new problems like this!
It doesn't matter you're not going to do anything about it anyways because excuses
Get a signal jammer , watch it fall out of the sky 😆
My parents in Queens NY has had StateFarm for 44 years and have NEVER put in a claim! 44 years of getting my parents money and NEVER had to pay out
Insurance. The ultimate scam.
Instead of paying insurances. Save those monthly payments and use it when needed. These insurance companies are ridiculous.
That’s called self insurance. If you are willing to put away a large chunk of money to do that at first and every year, do it if you want to. In a few places that’s the only choice you have.
Let me know how that "self-insurance" thing works out if your home burns to the ground or is leveled in a tornado. A neighbor's kid tried that on his home in a canyon in CA. Wildfire. Burned to the ground. Lost it all. Got sued for the cleanup (Yes, Dorothy, you are required to removed the burned out debris, eliminate/fill in any hazards like a basement or pool, etc.. Ever price the cost of dumpsters and tipping fees for tons of debris, some of which is deemed hazardous?). Ended up as a 50 year old living with his parents. Junk car. No job (parents lived hours away). Yeah. Go ahead. Self-insure. Pure genius.
My Father always told me when I complained: "All insurance is a waste of money..... until you need it." You only insure what you can't afford to replace and for liability (if a roofer falls off your roof, guess who gets sued? Drunk friend falls on you front walk? You're sued.) You can't get a liability umbrella unless you have minimum coverages on both your home and cars.
One cause of much of the home insurance premium rise is fraud. Example: People making claims for roof damage that is pure fantasy. Cars? It's the complexity. Some cars (like a Tesla) often get totaled because of the risk of fire if not repaired properly. The fancy LED headlight on my car cost $1,500 each - uninstalled in a box. Aluminum panels. Sensors out the wazoo in the front bumpers. Multiple airbags. Our 2017 vehicle was clipped on the front... bulk of the damage was the plastic bumper cover, one headlight, and the front fender had a small ding. Cost to repair? $9K.
This would only work if you own your home outright. Having a mortgage means you have insurance.
How is this legal?
capitalism/wealth/power makes it happen its all gone political
@@mattburrito This happened due to a lack of capitalism. The government intervened and gave certain companies more power over others, eliminating the customer's option of choices. That's why these issues happen.
Lower my premium? This happened like never. I’d love to hear of one person that had a drone flys over their property and their premiums went down. Total bulls#1t.
1. If insurance companies can afford SATELLITES, the government needs to enforce anti-monopoly laws and break them up to increase competition.
2. If my insurance company thinks i need a roof repair, guess who im taking to court to pay for it? That's literally the only reason im paying the insurance company: so they will pay for any damage.
Orwell tried to warn us
All these corporations & foundations need is a loyal military, right! 🙄🤔👊
Wait so your insurance is claiming you need a new roof? Great! Tell them to give you a new roof then!
Sorry... insurance is not your personal home warranty program.
😂😂 if it was that easy!! But I'm literally dealing with the same. After 25+ years with a company. No claim filed. They are dropping my coverage
@@TheNewHope2010 It actually is though
@@latoyadavis7 contact Cohen law firm. They have a 98% success rate on insurance claims. It's literally part of the process. Insurance will deny it. Take them to court. It's their job to deny you. They just hope home owners leave it at that. It's all part of the process.
Would you do it if they said it "discolored" after only 5 years?
It’s real bad in Florida right now. The insurance companies are telling people you’ve had your roof for ten years,replace it or we will drop you. A lot of people don’t have fifteen thousand laying around.
The technology will just more sophisticated ❤
Undeclared trampolines?? Are you kidding me???
Over 100k trampoline injuries in America each year... so no, they're not kidding.
this is what you want right so have at it