Insurance Company wants picture of my roof

by Johnna
(Penticton BC Canada)

Hi,


My house insurance broker sent someone out to my home to take pictures of my roof from the front and back of the house.

I has a certified roofer already send notification that my roof is sound for at least the next five years as the insurance company requested.

Why would the broker wish to take pictures, and am I obligated to allow them to come on my property and take the pictures. If pictures are required, is there any reason why I can't supply the photos myself, rather than having some stranger come onto my property?

I live in BC.

Thank you for any information you can give me.

Home Insurance and Pictures of Roof


Hi Johnna,

The insurance company is trying to avoid claims due to older or damaged roofs. They are probably asking the broker to verify that the roof is in good condition.

The concern if you send in the pictures is the possibility that you send in pictures that were taken at an earlier date or pictures that are touched up.

You could refuse to let them come and take a picture, but I don't recommend it. You will be cancelled and will have a hard time finding coverage as a result.

Don't take this personally, many insurers visit the homes they insure.

Please be sure to discuss this with a licensed insurance representative. And you can try getting quotes here:

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Note: Always speak with a licensed insurance professional about your specific situation. This insurance information is general in nature and the policy wordings always take precedence. It is possible that there are errors and omissions in this website and www.canada-insurance-source.com, or its authors, take no responsibility.

Keep in mind that insurance licensing, legislation, and policies often vary by province and most certainly by country. Canada Insurance Source is a free information source. So use this site to gain a general understanding of insurance with your own area and situation in mind.  Make sure you review the "please read" page. Always speak with a licensed insurance professional about your specific situation.

Always speak with a licensed insurance representative about your specific situation.

This site is general in nature and there may be errors or ommissions

Please Read

Compare insurance quotes through Kanetix.ca - save time and money!