This happened this week:
An inspector did a Full Inspection & 4-Point to a client 4-5 month ago in which the roof was bad and reported as end of life. The client called this inspector because the roof was leaking. The inspector, being a roofer and knowing the roof was, bad went to the house.
There was a man with the client in which she introduces as her nephew.
The nephew started asking all kinds of question and pulls out a 4point report that was done on the property prior to closing. The 4point report had the roof in good condition so the insurance was issued and she was able to closed on the property.
When the inspector looked at the report he realized it was not his, it was another company and another inspector. The inspector saw the report and realized that it had pictures from another roof. The insurance agent got someone else to give a clean 4point report.
When the nephew realized that they had the wrong inspector he apologized and re-introduces himself as an Insurance Fraud Investigator. The investigator pointed to hidden cameras and told the inspector that this was a STING OPERATION.
The investigator told the inspector:
Inspectors are costing insurance company money.
Insurance companies are going after inspectors.
Insurance companies issues insurance based on 4point report.
Homes that are uninsurable are getting insurance.
Insurance companies are going to be inspecting the entire house every time there is a claim, no matter how small.
They are going to compare the new inspection with the existing report and come after fraud reports.
Real Estate agents are requesting 4points instead of a Full Inspection because inspectors are more lenient on 4points.