On Wed, 5 Mar 2014 21:20:50 -0800 (PST), bob haller
wrote:



mst homeowner insurance companies refuse to provide new insurance for homes with fuses, knob and tube wiring, bad or old roofs, unsafe sidewalks and a long list of other issues.



Do they come and inspect the house or just take the owner's word for it?



Or possbibly just go by when the house was built???

probably a mix of both but they definetely send a inspector out


I work in an insurance office every morning - my youngest daughter is
assistant operations manager there.
The broker ( or agent) asks the questions when you apply for
insurance, and the answers are part of your insurance contract. If you
lie, the insurance contract is null and void, and if caught you not
only have no insurance, you can be charged with insurance fraud - and
GOOD LUCK getting anything close to affordable insurance in the
future.

Up here in Canada (specifically Ontario) it's been a long time since
the insurance companies sent an inspector out to all applicants.