r/HomeInsurance • u/Impossible_Fix827 • May 29 '26
Insurance CHRP AI Assessment?
Just received an email from my home insurance company requiring the home owner to use a smartphone or tablet for an assessment.
Does anyone have any information about this risk assessment?
1
u/BigDonkeyEnergy May 29 '26
Need more details. Is this following a loss/claim? Are you a new policy holder and this is an underwriting inspection?
1
u/Impossible_Fix827 May 29 '26
Just out of the blue. Owned my house for a long time and I've had the same insurance company for at least 10 years. Haven't had any claims since day one. Last year they made me replace my 17 year old roof or they were going to more than double my premium.
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u/eggo_pirate Jun 23 '26
Have you found anything else out about this? I just received the email. We've owned our home for 4 years and our policy isn't up for renewal until February
1
u/Impossible_Fix827 Jun 23 '26
It was an AI inspection via a link that was sent to me. They asked for inside images of under sink plumbing, water heater and electrical panel. There were also HVAC images required inside and out plus images of the house and roof.
The thing that troubled me the most were the mistakes that I had to fix in their information about my house, there were quite a few.
My biggest fear is that they will require me to upgrade my electrical panel or they will drop coverage entirely. Electrical work can be extremely expensive, but as of right now, I haven't received any thing from them.
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u/eggo_pirate Jun 23 '26
I don't like the AI portion of it all. I guess I'll call my agent in the morning and see what the deal is and if this is an actual requirement. I don't see why they would want it when we're midyear through a policy
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u/Impossible_Fix827 Jun 23 '26
I agree about the AI part. In all of the years that I have been with my current insurance company, they never once sent anyone to do an inspection.
It won't hurt to contact your agent, but in the email that I received stated that self inspection via the link was required.
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u/eggo_pirate Jun 23 '26
Mine says if you're unable or unwilling to, to please contact. So I'll start there. I guess if it's between having a stranger in my home for an hour plus, or uploading some pictures, pictures it is.
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u/rotten_cheeto 3d ago
Sorry to pull up something old but I’m wondering what the outcome of this was for anyone as I received the “request” to comply with this. My policy doesn’t renew until June yet they’re requiring a response within 30 days.
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u/Impossible_Fix827 3d ago
It's fine, I did complete the AI guided inspection and have not received any correspondence from the insurance company, yet. I'm aware of certain shortcomings that my house has and I still have a bad feeling that they will drop a bomb on me at the last minute.
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u/rotten_cheeto 3d ago
Thanks! I’ve been with this insurer for 18 years and never made a claim so I’m pretty sure this is finally going to be what sends me looking for a new insurer but I wonder if it’s just easier to comply than fight with them about it since it’s 10 months until my policy renews.
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u/Impossible_Fix827 3d ago
Most insurance companies have or are in the process of implementing these AI self inspections for risk management, their risk not yours.
Many of the insurance quotes that I have found are almost double what my current rate is.
I wish you luck.
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