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2.5

My fiancee suffers from PTSD and is disabled. When she discovered a stranger poking around on our property and pointing a camera toward our windows while I was at work, this unannounced visit triggered her PTSD.

I later found out that it was a third-party inspector who'd come on behalf of Shelter Insurance. Furthermore, this Shelter contractor asked to enter the residence for what was only supposed to have been an exterior inspection, further exacerbating my fiancee's condition. When I contacted my local agent, Danna Krischke, to see if the guy was who he claimed to be (we had not been informed in advance, after all), she confirmed that he'd been sent by Shelter. She also admitted that she should have notified me in advance and that the inspector should not have asked to come inside under any circumstances.

When I lodged a complaint with the corporate office, I received prompt, albeit snarky and insensitive, responses. Despite being happy to quickly respond to my emails, somehow I was asking too much for them to drop me a line or give me a call if an inspector would be coming onto my property in the future. I explained that, as a homeowner, it would be beneficial to all involved if Shelter would extend the courtesy of letting us know an inspector would be visiting, so that he is not mistaken for a trespasser. A simple phone call or email would prevent the inspector from being dealt with as a trespasser, as it is my right to protect my property.

But the Shelter representatives I dealt with deemed a call or email to be far too burdensome for them, even though they had no problem quickly responding to tell me I'm simply out of luck. It was at this time that I decided to appeal directly to Shelter CEO Rick Means. I thought, surely, a man doesn't become a CEO by being insensitive to customers and disabled persons. I was wrong, and he stood by his rude employees who'd suggested that I simply take my business elsewhere.

Though dissatisfied with the situation, I felt I'd made my point, and that perhaps my local agent would extend this simple courtesy I requested, though the corporate office would not. Instead, I received a letter notifying me that my homeowners insurance is being canceled. My crime was explaining to Shelter that, by not notifying customers of inspections, they could inadvertently be putting inspectors in harm's way. This cancelation is not only unacceptable, but it is gross mistreatment of a disabled person, if not outright discrimination.

Shelter is simply refusing to make a simple accommodation (a call or email) to avoid triggering my fiancee's documented condition, for which she's being treated.

Instead, they're telling (and now FORCING) us to take our patronage elsewhere. That's no way to do business, and it's certainly no way to treat a person whose disability arose in the line of duty, protecting and serving the very people who believe it's too much of a burden to send an email or make a phone call.

Reason of review: My policy was canceled after I called into question this business's practices.

Preferred solution: I did not ask to cancel my policy, and would like it to proceed as normal..

Location: Rockford, Illinois

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Guest

Hey Texas, from Illinois' own story, going in their house was not part of the job. Making sure he the homeowner knew he was coming, for everyone's safety, is part of the job.

Any adjuster with a brain would make sure the resident homeowner knew they were coming to not get popped. I would think a Texan would understand that as much as anyone. And people do owe him something. Its called a duty.

Did the adjuster or Shelter have a duty to REQUEST and ADVISE of and SCHEDULE a stranger to go on their property and take pictures? You bet your *** they did. Per Illinois' own story, the agent admitted they should have called. a duty.

Sounds like they obviously breached that duty.

Illinois, if it is policy to advise homeowners that an adjuster will be showing up and taking pictures (as they told you), and/or the law of your state supports same, and they violate that policy (duty) and cause harm, they may be liable under your state's laws. The harm was sustained by your wife. A vet with PTSD, and the PTSD was aggravated.

Then they dumped you as a client.

Call and run it by an attorney because you most likely have options and a way to be made whole again.

Guest

From your own story, the inspector was simply doing his Job. Had you not filed a claim, he would have never been there.

Stop behaving like a spoiled entitled brat.

No one owes you anything. We ALL have something going on, but throwing a queen sized fit because some poor guy was doing his job....well you must have a LOT of time on your hands.

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