[barrysteve]

Demanding an inspection is a process that can be organized and scheduled around.

Your friend brings over a trampoline for Timmy's birthday party, you can take the risk of injury with no intent to claim on insurance. You can remove it before inspection.

Now you get pinged out of the blue by a satellite.

Adults don't need constant supervision. Should you believe they do, why not leave a multi-camera drone above your suburb and every insured house can be monitored for infractions 24/7.

There is no reason for the insurance company to withhold the image as evidence of a problem. Google Maps knows where my trampolines are, why is the insurance company hiding their cards?

An insurance company that surveils you 24/7 and makes sure you comply, is not covering any risk, it's a protection racket.

[tptacek]

You can remove it before inspection

Yes, if they do a scheduled inspection, it is easier to defraud them.

[barrysteve]

A trampoline used with no injury, is not defrauding the insurance company.

[windexh8er]

I'm sorry but this comment makes no sense. Where did you get that insurance companies are now "surveiling you 24/7"?

If my insurance goes up, and it has, because of people defrauding insurance companies then I would fully expect my insurer to protect their bottom line and my rates by dropping those customers playing unfairly.

What I don't agree with is insurance companies punting the decision making process to an algorithm. At that rate we end up with Google "support" from a company that, as paying customers, we should be able to have a conversation with.

The last thing I'll mention is that it goes a long way to know your insurance broker. As an example I've known mine for the last ~15 years and they have helped remediate a number of, what I'll describe as standard process issues, when I've contacted them and in a few cases even proactively.

[barrysteve]

It was a rhetorical question. Why not increase surveillance to 24/7.

There is no defrauding going on. You don't own someone's behaviour or property simply because you "insure" them.

You get to reject claims and put your opinion on what "fraud" is, through the proper channels.

Taking photos and dropping customers is going around the proper channels and tyrannizing your customers.

How that is not obvious to everybody involved, is beyond me.

Drop the pretense and install a command economy again like the 1940s. You are leaning in that direction anyway.

[windexh8er]

Do you really believe that a majority of insurance holders own their home outright? They don't. Which means a financial institution, other than the "home owner" does. That loan binds the "home owner" to a set of responsibilities - one of which is keeping the home insured. This isn't a new phenomenon.

Taking photos from public airspace isn't "tyrannizing" anyone, as much as you seem to want it to be.

> You are leaning in that direction anyway.

The irony...