You probably have a newly placed roof, while your neighbor has not replaced theirs in 20+ years and it is looking bad! Your neighbor called in a claim to his current insurance company and they denied it saying, "This is not hail damage... your roof is just old." So your neighbor switches to a new company (your company) then it rains and he files a claim with the new company. They subsequently replace the roof and this in turn increases your rate!
In addition to inspecting for potential maintenance issues, we are looking for potential hazards to others, like missing handrails and cracks in your sidewalks. This helps us reduce the number of liability claims. By inspecting every property before insuring it, American Family prevents many frivolous claims, saving you $ in the long run!
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