About two months ago I had a guy come round. The Insurence company told me that he would be coming by. He never came inside, just walked around snapping pictures. Long story short, yesterday I get a letter with pix telling me what I need to "paint" in order to avoid some problem or cancellation before this policy expires. The house has cedar claps on it and around here allot of people don't paint them at all and let them grey naturally although they are usually shakes not claps. Never the less, because I have some paint peeling on soffets and around windows, they percieve a potential claim? I've had the same company for 15yrs now and have NEVER got a dime from them. It's been a total one way street of me paying them. Anyways they also tell me that I'm way under insured and `insist that I jack up the coverage to a half a million which is rediculous around here! That's about twice what I have on it now and was also the reason I switched to these folks from another company 15 yrs ago. I'm going inn to speak to them about it. Will update.
I think this "inspector" sells his services to the Insurence company by saying you'll get the fees you pay back when I'm done harrassing people through my BS evaluations and inspections. Nothing about the two coal stoves mind you, but lordy I got some paint peeling round sone windows and soffets! Plan on painting them this spring anyways but that's besides the point!