Home Home insurance Claims Can insurance companies enter your house or examine your car? Can insurance companies enter your house or examine your car? Written by: Gina Roberts-Grey | Reviewed by: Ashlee Tilford Ashlee Tilford Ashlee, a former managing editor, insurance, at QuinStreet, is a journalist and business professional. She earned an MBA in 2014 with a concentration in finance. She has more than 15 years of hands-on experience in the finance industry. | Updated on August 13, 2021 Why you should trust Insure.com Quality Verified At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. If you’re looking to purchase or renew a home insurance policy, or need to file a home or car insuranceclaim, a personal visit from your insurance company could be in your future. “It’s quite common for an insurance company to inspect a property before issuing a policy or while processing a claim,” says Michelle Rupp, spokesperson for the Independent Insurance Agents & Brokers of America. If you crashed your vehicle, car insurance companies may also want to visit you — or the scene of the crash — before paying your claim. This is especially the case if your car has sustained a lot of damage or looks like it might be totaled. “In many cases, a physical inspection is the best way to assess the amount of damage,” says Rupp. “It’s for everyone’s benefit because it ensures you’re paid for all the eligible damage sustained.” But that doesn’t mean your insurance company can show up on your doorstep any time. Defining the boundaries for visits from insurance companies Thomas J. Simeone, an insurance and personal injury attorney at Simeone & Miller, LLP in Washington, D.C., says your insurance company (and its representatives) is governed by the same laws as anyone else who may want to visit your property. “They cannot trespass onto your property, or go into your car without your permission,” he says. Even if your insurance company wants to examine your car to assess damage or walk around your yard to inspect your home’s damaged siding from a hailstorm, an adjuster or employee of the insurance company needs your permission, Simeone says. However, there may be an exception. Some policies may specifically state that your insurance company doesn’t need your permission to go onto your property. “Although those are very rare,” says Simeone. Key Takeaways An claims adjuster the responding car insurance company may want to visit you, either at the crash scene or your home, to inspect vehicle damages in person after an accident claim is filed. Even if an in-person examination of your damaged car is in order, an adjuster cannot trespass on your property and needs your permission for the visit. While you have a legal right to refuse a visit and inspection from your insurance company, it isn’t usually in your best interest to do so as the claim may be denied since the company cannot determine the extent of the damage. When buying either a homeowner’s or car insurance policy, it’s implied that you’re agreeing to a “duty of the insured to cooperate” clause; it is designed to protect both parties. It is common for homeowner’s insurance companies to not only visit your home at inception of the policy, but at renewal time. You have a right to refuse a visit from your insurance company In most cases, you have a legal right to refuse an inspection from your insurance company, Simeone says. However, it may not always be in your best interest to refuse. “Denying the inspection request means you’ll probably have to deal with an expensive fallout,” Simeone says. “If you refuse, your insurance company will probably deny the claim. So you won’t be able to benefit from all the coverage you’ve paid for during the life of the policy.” At the very least, refusing an inspection will delay the processing of your claim. That means you could be left with a damaged car or needed home repairs longer than expected. If you deny an insurance company a pre-policy inspection, you could be facing a similar fate, Rupp says. “The insurance company will probably not write the policy,” she adds. While you have a right to refuse a visit onto your private property, into your garage or into your home, you can’t stop your insurance company from conducting a visual inspection from public property, Simeone says. “You have no right to privacy to anything visible from public areas like streets, sidewalks, etc. So, if the insurance company adjuster drives by your home and can see your damaged roof, or the trampoline you said you don’t have, he or she can photograph it without violating any laws,” he explains. The right to inspection What gives an insurance company the right to conduct an inspection? “All insurance policies include a ‘duty of the insured to cooperate’ clause,” says Shelby R. Mobley, a spokesperson for Allstate Insurance Co. If you buy a policy, it’s implied that you’re agreeing to that clause. Mobley says that car and home insurance policies are written in this manner to protect both parties. “You want to receive the full compensation you’re entitled to. And your insurance company wants to make sure the payment is calculated according to the terms of the policy and includes all the eligible damage,” he says. An insurance policy is a legal contract. In exchange for payment, you receive coverage and you must comply with certain conditions to keep that coverage intact, Mobley adds. QuickTake Home insurance claims – How to file and what you should know Does homeowners insurance cover water leaks? Can my homeowners insurance get canceled because my house is empty? Guide to the insurance claims history report (CLUE) How much do claims increase home insurance rates? Does homeowners insurance cover storage units? How to protect your home from lightning strikes Does homeowners insurance cover mold? Are pools and hot tubs covered by homeowners insurance? Does homeowners insurance cover a leaking washing machine? How to file a successful mold claim Does homeowners insurance cover tornado damage? 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Do I need to call my home insurance company to file a claim? Is it legal for my home insurance company to drop my coverage after filing claim? That's gross! Why home insurance won't pay for disgusting problems We left a faucet turned on in my home and it caused water damage Home insurance policies cover damage from trees downed by ice and snow The trouble with drunk friends Homeowners premiums fluctuate with community's fire-fighting ability See more > Insurance companies may inspect your home at renewal time Filing a claim isn’t the only factor that may trigger an inspection. While the best home insurance companies are not in the habit of inspecting your home at random, they “typically inspect at policy inception and renewal [time],” says Mobley. Mobley says that home and auto insurance companies usually hire appraisers to conduct inspections on their behalf. The appraisers are trained to assess damage pertaining to a claim and to determine if a property is eligible for coverage. Under normal circumstances, an insurance adjuster will not show up at your home unexpectedly. Adjusters and inspectors will generally contact you to schedule an appointment because they will probably want to discuss the damage with you. “They want to know all the details and sometimes just looking at the property doesn’t tell the whole story,” says Rupp. In case you missed it What is HO-6 insurance? Average home insurance cost in 2023 What is dwelling coverage and how much do you need? Personal liability insurance: What it is and why you need it Renters insurance quotes: Compare rates Hurricanes and home insurance: 14 key questions answered Replacement cost policies for your home: Getting what you pay for How much do claims increase home insurance rates? Mobile home insurance: What does it cover and how much does it cost? Homeowners insurance basics Home Insurance Advisor The Best Cheap Homeowners Insurance of 2021: Guide How much flood insurance do I need? 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