- That’s pretty much my experience too—Shelter’s inspection felt almost too quick, but the price was hard to beat.
- State Farm definitely digs deep. I remember scrambling for paperwork I hadn’t seen in years.
- It does feel random sometimes. Makes you wonder if the thoroughness actually pays off or just adds stress.
- At the end of the day, if Shelter’s rates work for you and you haven’t had issues with claims, maybe the odd process is worth it? I get being cautious, though... always feels like a gamble with insurance.
Makes you wonder if the thoroughness actually pays off or just adds stress.
I get that—State Farm’s process almost feels like buying a car from a dealership vs. Shelter being more like a quick oil change. With my last claim (not home, but auto), State Farm did come through, but the hoops were real. Has anyone actually had Shelter *deny* a claim after their light inspection? That’s what worries me... lower rates are great until something big happens.
Has anyone actually had Shelter *deny* a claim after their light inspection? That’s what worries me... lower rates are great until something big happens.
I’ve had Shelter for years and never had a claim denied, but I’ll be honest—their inspections are pretty bare-bones. Makes you wonder if they’re just looking for an excuse to say “pre-existing damage” later. State Farm’s process is a pain, but at least you know they’ve documented everything. I’d rather deal with paperwork than risk a big claim getting tossed out.
I get what you mean about Shelter’s inspections. They barely spent 10 minutes at my place—just snapped a few pics and left. It did make me wonder if they’d use that as a loophole later, like you said:
Makes you wonder if they’re just looking for an excuse to say “pre-existing damage” later.
On the other hand, I’m not sure all that extra paperwork with State Farm is worth it unless you’ve got a really high-value home or a history of claims. I switched to Shelter mainly for the lower rates, and honestly, the savings have added up over the years. But yeah, the trade-off is always in the back of my mind... If something major happened, would they really have my back?
Has anyone actually had Shelter push back on a claim because of something missed in their inspection? That’s my main worry. I’d rather pay a bit more if it means not having to fight tooth and nail when I actually need coverage.
I had a similar experience with Shelter’s inspection—felt more like a drive-by than anything thorough. I haven’t filed a claim yet, but that “pre-existing damage” loophole nags at me too. My neighbor had to argue with them over hail damage last year, and it dragged on for months. Makes me wonder if the savings are really worth the hassle if something big goes wrong...