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Updated over 6 years ago,
Is UPC Insurance overstepping my tenants privacy?
A few months ago I purchased a duplex and assumed the tenants that were in place. At the time we got insurance on the property with American Integrity. 2months later we got notice they were cancelling due to the tenants debris/junk in the backyard. The debris is basically toys, plywood, grill, etc.. probably a 10'x10' section of "stuff". The reason was that this was hazardous.
We changed over to UPC insurance who I have dealt with in the past and within a month of having the policy and providing them a 4pt inspection (paid for 2months prior) we were sent an email asking us for a self-inspection with location services enabled on our phones and completing through their link as we took the photos etc...
Exterior
- 1.)Left front Corner of home
- 2.)Right front Corner of home
- 3.)Left rear corner of your home standing back as far as possible
- 4.)Right rear corner of home standing back as far as possible
- 5.)Air conditioning unit
- 6.)Tree Houses/sheds/barns/fences
Water Heater
- 1.)Picture of the water heater to include the pipework exiting the heater
- 2.)A picture of the manufacturer/information label if accessible
Air Conditioner
- 1.)Air handler
- 2.)Manufacturer Label if accessible
Electric
- 1.)Clear picture of Panel (s)
- 2.)Manufacturer Label if clear
Plumbing
- 1.)Image of plumbing under bathroom sink
- 2.)Image of plumbing under kitchen sink
- 3.)Pipework and hoses connecting your washing machine to the wall
Interior Video
Please take a walk through video of the main living areas of your property, please provide narration as you film. Start at the front entrance. The video need not be more than 2 minutes in length.
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I called and tried to plead that this is ridiculous since I paid money for an inspection and I have tenants in place and not the time to deal with. There response was too bad. You have 7 days with our link. Well I made it over there by day 7 load up their website and the service within the duplex was so bad I couldn't even navigate to the next page (problem one with a self-inspection, you can't control the technology someone has).
Now a few weeks later we have been threaten with another cancellation and I have about 3 days to get this completed. They've "allowed" me to take the photos and just send those. I'm so exhausted and irritated at this and can't believe they want me to Video the inside of a my tenants property with all their personal belongings.
Am I wrong in thinking this is a violation of some sort?