Home Insurance Company Inspection

by sam
(Oakville ontario)

My insurance company has told me that they want to inspect my house. I said no and they said they will cancel my policy if I don't let them. Is this legal? Why are they doing it? What happens if I say no? This sounds like bs to me

Home Inspection Answer

Hi Sam,
Your home insurance company can ask to inspect your home to make sure it meets their guidelines. If you choose not to allow them to come and see your house they are within their rights to refuse insurance.

Why are they doing it? There are a variety of reasons. They want to: make sure the home is insured to the right value; check to be sure the house is updated (ie roof, heating, wiring); and make sure there are no hazards that could cause a claim.


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