It’s been two weeks since I found out I was being scammed by my insurance company. I sent in my 8 month old house appraisal to Tricky Dick, who is trying to raise my home insurance premium by 45% since their inspection 7 months ago. Their shady inspector made my house 50% larger than it really is, so they could raise my premiums by a similar magnitude. It’s so easy to prove what my house’s square footage is, it’s not even funny. It’s like saying Lebron James is 10 feet 5 inches instead of just 6 feet 8 inches tall. Utterly ludicrous.
The recent appraisal I sent in contains perfectly drawn outlines of my house’s layout and square footage. It matches up to within 50 square feet of what the SF County Assessor’s has on record. I’ve had two other appraisals in the past 7 years, and both are also within 50 square feet of the real size. Clearly, this case is as slam dunk as convicting Elliot Spitzer for messing around! Not so!
If you’re curious, here’s the e-mail exchange I had with them with names, figures, and dollar amounts changed that mimic the same percentages. All of this takes precious time. In this post, you will learn what the tricky “Home Protector Insurance” product is. You’ll also learn whether the rebuild cost premium you pay trumps the square footage size they have in their documents, and what you get to rebuild if your house blows up.