Just got this email from an agent (a nice smart one).
I have a buyer that has finally received a short sale bank approval on purchasing a house in Satellite Beach. He is using an insurance company that is requiring 3 different professional inspectors to perform the 4-pt, wind mit and the home inspection. I explained to my buyer, Tim, that our inspectors are certified to perform these inspections and 3 different professional inspectors are not necessary. Tim has requested that I make contact with 3 inspectors and have them send a copy of a home inspection report, 4-pt and wind mit report so he can show the insurance company what they are and hopefully satisfy this requirement. Could you please provide me with a recent one that you have done? I would like to be able to send Tim a copy tomorrow. We need to get this inspection completed before the end of the week."
My response was…
“Please, please tell him to find an insurance agent with a brain.
The insurance company is not see to a full inspection report. If they see a full report, they will require all repairs whether or not they have anything to do with a 4-point.
I would be happy to speak with any “insurance agent” and provide proof of knowledge, licences and certifications required for the state of Florida and explain how the OIR “Office of Insurance Regulation” recognizes Florida Licensed Inspectors with the required certifications to perform the 4-point, wind mit or roof certification reports and is required to accept them.
Michael J Fox of Fox Inspections is also registered with Citizens Insurance as an approved Inspector.
Please forward this to Tim.
I would be happy to show him some of these reports, I cannot allow him to send any of my previous reports to any insurance agency. I cannot allow these signed documents into unknown hands, there have been many cases of fraud of changing reports or using an inspectors License # and Signature on other reports. I do not think any other Licensed Inspector would provide copies of previous reports to an insurance agent to show proof of ability.
I cannot stress how important it is to not provide a full inspection report to ANY insurance or mortgage company (the lender may require a WDO, termite inspection).
Call me in the morning and I can explain further if needed.”
Any thoughts on this one guys???
What does it take to be an insurance agent?? heartbeat and a phone??