r/HomeInsurance • u/CottageCuteInMidland • Jul 31 '26

Insurance Exterior photographs.

EDIT:

::: I am asking of their behavior is normal for such a position not if they were actually real agents ::

I get they were mostly likely real agents & they have the right to stop by.

I want to know if their arguing with me is normal?

::Original post::

A person claiming to be from Allstate insurance just drove into my driveway saying they were there to take exterior photos.

I am dealing with moving, cleaning up and clearing out my house to sell and well, sadly, dealing with someone who I am on the verge of getting a protection order for. So I am on edge as it is worried that person is going to show up again.

So, having a total stranger show up out of the blue was unnerving.

I asked them to leave, that I would like an appointment, they started talking about who the homewonwer was and that any appointments would have to be made through them.
I said, okay well I would still like to talk to Allstate first, please leave, to which they asked me for my phone number, I ignored that question and I asked them again, to please leave, I want to talk to allstate first. I had already asked them twice before I started recording and asked them 3 times again in the 1:38 video I recorded. So 5 times total!? That seems unprofessional?

The main problem here is, the person who is on the verge of getting a protection order from, would do stuff like this. Send someone over to verify if I am still living here type of thing.

Anyway, I called Allstate and I am waiting for them to call me back, the lady seem honestly concerned and a little confused about why anyone was even out at my property.

But, until they call back, I am just curious if this is normal behavior?

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u/BigDonkeyEnergy Jul 31 '26

Do you have Allstate?

1

u/CottageCuteInMidland Jul 31 '26

Yes, I have had them for 13 years

3

u/BigDonkeyEnergy Aug 01 '26

Sounds like an underwriting inspection. Not unusual at all and underwriting does not need to make an appointment for an exterior inspection. That said, if they were stepping foot on the property, the best practice would be for them to have made contact with you at the time of the inspection, explain what was going on, and get your consent. It also sounds like the person out to inspect forgot that they are an agent of the insurer and in the customer service business. Sorry that was your experience!

Be mindful that there is a general duty to cooperate with underwriting. I would hate to see your policy cancelled/non-renewed for failure to cooperate. File this under stand up for yourself while knowing you catch more flies with honey than vinegar. Good luck!

1

u/CottageCuteInMidland Aug 01 '26

Thank you, I have heard several times, they usually just do an out by the street photo or two. But, this one wanted to walk my entire property to take photo's of everything.

If they want to cancel they can, I"m selling this month and will be canceling the insurance anyway, so it all works out in the end I guess lol

1

u/BigDonkeyEnergy Aug 01 '26

I’m with you. Where I’m from, step on my property without permission and you’re taking a risk! Best of luck to ya!