Join Date: May 2012
Thanked 283 Times in 133 Posts
Oh man, the stories we could tell. All of us. I have a claim from a homeowner open right now. It's a BS claim, filed becuase the HO is mad that we entered his house.
House is presale, no appreciable personals were visible from outside. We're there on a lock & GC. We enter the rear door, and immediately find things like, deer heads on the wall, clothes hanging in a closet, a few small furniture items, and boxed personals in the garage.
I tell the crew to replace the lock on the rear door and let's back off. I report the property as occupied. Two weeks go by, I get an email saying we damaged the rear door, broke a door off it's hinges, and damaged an attic ladder. My response...what no diamonds missing? No Van Gosh's? We, of course, did not cause any damage to this property, and the claim is possibly worth a few hundred dollars. I don't think the HO is going to press the issue. But, it is a mark on our record.
Point is, you need to know what you are allowed to do, when to back off, know what the pitfalls are, and have insurance and a lawyer (your own lawyer). If anything looks even a little funky, it's better to back off making $100 on the property, than having it costing you $1000's. But, once you enter the property, PHOTOS PHOTOS PHOTOS.
Oh, I have so many stories I could tell about the things that have happened to us over the past 5 years. But, knock on wood, to date - no claims have been paid (I've had two filed in 5 years with over 4000 properties visited) Because I stress to everyone - don't be afraid to back off and PHOTOS PHOTOS PHOTOS. And we always follow the work order instructions concerning removal of anything from a property.
And to your question about an insurance company...I'd say, do your own research. Look them up, use the BBB, once you get a short list, then ask about experiences from the forum on the individual companies.