I think this is fine, BUT...<p>I think they should have to give people time to fix the problem before dropping them.<p>A neighbor literally just got a letter in the mail, "We think your trees are over your roof. Policy cancelled immediately." (The tree was over his daughter's playhouse in the back yard, the algorithm saw shingles obstructed by a tree branch and flagged it. They don't even bother with human review.)<p>There should be a warning period, "Hey we saw this, and if you don't fix it in 90 days we'll have to drop you." They certainly take money before doing an inspection... they're happy to have you start paying them right away as soon as you move in. Anyway there should be a time period for cut off of service.<p>Insurance companies are free to do inspections, but there's still the stress that getting a notice like that does to someone.<p>These days, who even reads letters from insurance companies in the mail?! I mean, I just chuck anything with a logo in the recycling.<p>And, from what I can tell, the insurance company dropped my neighbor when they sent the letter... so he didn't even know he wasn't insured until he got the letter.<p>Anyway... these companies aren't your friends. They're all out to screw you.<p>USAA screwed me over bad recently, to the tune of nearly $300k... they forced me to use their contractor (or we won't cover your temp housing), said not to worry and promised me a "5 year workmanship warranty" on the work done by their contractor... but when the contractor was utter shit, they put me through their mediation, where their mediator said, "Yeah all this work done by the contractor is junk, it all has to be re-done... if they don't fix it, we'll eat their lunch!" but ultimately they didn't enforcing any of that with the contractor and let the contractor off without any consequences -- even insisted I pay the contractor. "Oh you had no right to expect the work would be professionally done..." the contractor said in court. It was all total BS. And they said, "USAA may promise you one thing, but contract we have means we aren't liable for any damages to your house, 35-foot trees we killed, foundations we cracked, garage doors we backed into, things our endless stream of disorganized day-laborers stole, etc..." USAA's mediation process was really just a play to run out the statue of limitations on the contract too, I felt. =P<p>Live and learn... but insurance companies are heartless bastards. You can't trust them, and even the "good" ones will screw you if they can. Tell you one thing, and do another...<p>If you have a flood, call your lawyer first, the insurance company second, and the water mitigation folks third. Get it all in writing, take more photos than you ever thought necessary, and hope you have an adjuster who isn't having a crappy day that day.