Had a similar experience—provided detailed inspection docs and photos, but no direct premium reduction. They did waive a surcharge they'd initially tacked on, though... guess that's their version of "discount." Better than nothing, but still frustrating.
Yeah, same boat here. Submitted a whole stack of detailed reports and even drone footage to back up the inspection—thought they'd appreciate the extra mile. Nope. No premium cut, just a vague "we'll reconsider the risk assessment." I guess that's insurance-speak for "we'll think about it later." At least you got that surcharge waived... small victories, right? Seems like insurers are tightening the screws everywhere lately, probably reacting to all those recent claims. Still frustrating though.
"Seems like insurers are tightening the screws everywhere lately, probably reacting to all those recent claims."
I've noticed the same trend lately. Had a client recently who went above and beyond—full structural inspection, detailed engineer's report, even thermal imaging scans to prove the property was low-risk. Thought we'd see some flexibility from the insurer, but nope... just a polite acknowledgment and zero movement on premiums. Understandable they're cautious given recent events, but it does feel like they're overcorrecting a bit. Hopefully things balance out soon.
Seeing the same thing here. Just refinanced and thought I'd get a break with a bunch of safety upgrades I did—no dice. Guess they're playing it extra safe for now... hopefully temporary, but who knows anymore?
Yeah, noticing the same trend lately. Insurance companies seem to be tightening up across the board, probably reacting to recent natural disasters and rising claim costs. Even with substantial upgrades—like fire-resistant materials or advanced security systems—they're not budging much on premiums. I had a similar experience last year after installing a full sprinkler system in a new build. Thought I'd see a decent reduction, but the savings were minimal at best.
From what I've heard, insurers are recalibrating their risk models, factoring in climate change impacts and increased construction costs. Unfortunately, that means we're unlikely to see significant premium drops anytime soon, even with proactive safety measures. Hopefully, once things stabilize a bit, they'll ease up again... but honestly, it's hard to predict these days.
