As some of ya'll might recall, I inspect real estate properties for insurance companies before the company writes or renews a policy on the property.
A lot of things impact premiums that homeowners might not even realize. An open porch over 18" high with no railings, steps over 4 high with no railings, a trampoline that is not protected by a locked 6' fence, ditto for a swimming pool. A hot tub that does not have at least the lid locked. Insurance companies take a dim view of most dogs, particularly if they're less than friendly to strangers. Even the odor of a dog in a house is seen as diminishing the value of the house. It's company policy that if an aggressive or obnoxious dog prevents me from doing my job, all I have to do is take a photo of the dog and turn it in. The company will back me up on not doing the inspection. I've had to do that quite a few times, and it's not unreasonable to assume that under those conditions coverage would be denied, or if it's a renewal the policy would be cancelled.
Professionally installed fireplaces generally cause no problems. Most of the vast array of wood stoves do, particularly some that are openly "jerry-rigged". Some people install a wood stove for supplementary heat to save money and don't realize the presence of the stove increases their homeowner's insurance premiums by more than they're saving on energy.
A propane tank within 30' of a house is a no-no, as is anything combustable near a propane tank. Any brush that would endanger the dwelling if it got on fire gets their attention. Shrubs or trees touching the house, or tree limbs over 2 1/2" in diameter overhanging a house also have to be reported. Childrens swing sets and slides are considered an "attractive nuisance" unless they're secured.
This is a general overview. I have to include all of the above in my reports, including photos. In fact, I'm required to submit a photo of anything that's deemed a hazard. Photos that are always required are a photo of the front, rear, and house number to prove I have the right house. If there's no number on the house, I have to explain in comments how I determined that was the right house or abandon the search. For anyone with a house that isn't clearly marked, if I can't find it in the daytime, imagine a fire truck or rescue unit trying to find it at night.
Anyhoo, there's a heckuva lot more that goes into an insurance premium beyond an agent simply pulling a number off a chart.
We sell tractor parts! We have the parts you need to repair your tractor - the right parts. Our low prices and years of research make us your best choice when you need parts. Shop Online Today. [ About Us ]
Today's Featured Article - Old Time Threshing - by Anthony West. A lovely harvest evening late September 1947, I was a school boy, like all school boys I loved harvest time. The golden corn ripens well and early, the stoking, stacking,.... the drawing in with the tractors and trailers and a few buck rakes thrown in, and possibly a heavy horse. It would be a great day for the collies and the terrier dogs, rats and mice would be at the bottom of the stacks so the dogs, would have a busy time hunting and killing, all the corn was gathered and ricked in what we c
... [Read Article]
Latest Ad:
1964 I-H 140 tractor with cultivators and sidedresser. Starts and runs good. Asking 2650. CALL RON AT 502-319-1952
[More Ads]
All Rights Reserved. Reproduction of any part of this website, including design and content, without written permission is strictly prohibited. Trade Marks and Trade Names contained and used in this Website are those of others, and are used in this Website in a descriptive sense to refer to the products of others. Use of this Web site constitutes acceptance of our User Agreement and Privacy Policy
TRADEMARK DISCLAIMER: Tradenames and Trademarks referred to within Yesterday's Tractor Co. products and within the Yesterday's Tractor Co. websites are the property of their respective trademark holders. None of these trademark holders are affiliated with Yesterday's Tractor Co., our products, or our website nor are we sponsored by them. John Deere and its logos are the registered trademarks of the John Deere Corporation. Agco, Agco Allis, White, Massey Ferguson and their logos are the registered trademarks of AGCO Corporation. Case, Case-IH, Farmall, International Harvester, New Holland and their logos are registered trademarks of CNH Global N.V.
