Insurance question-something fishy

[Mary Jay]

Hi guys,

1) So I have an insurance broker and it seems like the properties I have with him keeps getting inspected by the insurance companies.

Our house that we live in is with a different insurance broker, 10 min away from the other ones, and our house NEVER gets inspected by the insurances.

Roofs are the same age. Buildings are the same age.

Is it possible that the insurance brokers advises the insurance companies to do those inspections?

2) Also, any time there is some change he wants pictures of the roof and the building to be sent to him before he changes anything. For example, before he switches a policy from short term rental to long term rental he wants pictures.

Is it normal?

State Florida

3) Also, his policies keeps changing insurance companies probably once a year.

First it was with Citizens insuarnec, now with Menatee insurance, before Citizens it was SLide insurance...

He said Citizens changed my policy to Menatee.

How come Citizens does not change policy on the house we live in? We have had Citizens for the last few years...

Something is fishy... 

[Owen Rosen]

Quote from @Mary Jay:

Hi guys,

1) So I have an insurance broker and it seems like the properties I have with him keeps getting inspected by the insurance companies.

Our house that we live in is with a different insurance broker, 10 min away from the other ones, and our house NEVER gets inspected by the insurances.

Roofs are the same age. Buildings are the same age.

Is it possible that the insurance brokers advises the insurance companies to do those inspections?

2) Also, any time there is some change he wants pictures of the roof and the building to be sent to him before he changes anything. For example, before he switches a policy from short term rental to long term rental he wants pictures.

Is it normal?

State Florida

3) Also, his policies keeps changing insurance companies probably once a year.

First it was with Citizens insuarnec, now with Menatee insurance, before Citizens it was SLide insurance...

He said Citizens changed my policy to Menatee.

How come Citizens does not change policy on the house we live in? We have had Citizens for the last few years...

Something is fishy... 

 1. Very likely no (how do you think this would benefit him?)

2. The insurance companies might require this.  Is it a problem?

3. Did Citizens send a letter to this effect?  I'm not an expert on Florida insurance but I know Citizens which is state-backed and grew too large is depopulating policies.  They wouldn't just "change" policies without written notification.

You mention a key point at the end.  You can't compare owner occupied to tenant occupied.  Totally different policies and procedures.

Sounds like you don't trust your agent though.  Why do you use him if that's the case?  Have you asked him these questions?  Have you asked your other agent?

As an aside, insurance companies are inspecting most properties one way or another in the current market.  They may have even inspected your primary home without you knowing.