Been there myself—insurance companies suddenly getting picky is like your favorite diner randomly changing their pancake recipe. You think, "Wait, did I miss something?" Then you realize... nope, they're just being weirdly particular. Good on you for switching it up and finding a better fit. Sometimes loyalty can feel comfy, but it's not worth sticking around if they're gonna nitpick every little thing. Glad you found something better without too much hassle.
Had something similar happen last year with a rental property. Out of nowhere, they started nitpicking stuff they'd never mentioned before—like suddenly the porch railing height was a huge issue after years of being fine. Felt like they were just fishing for reasons to bump premiums. Ended up shopping around and found a better deal anyway. Loyalty's great, but practicality wins out when they're playing games...
"Felt like they were just fishing for reasons to bump premiums."
I've seen this happen more frequently lately, especially with older properties. Insurance companies seem to be tightening their underwriting criteria, possibly due to increased claims or changing regulations. Sometimes it's genuinely about safety standards evolving—like porch railings that were acceptable a decade ago might not meet current building codes. But other times, it does feel like they're looking for ways to justify premium hikes.
One thing I've noticed is that insurers often reassess risk profiles periodically, and if your property falls into a category they've recently flagged as higher risk, they'll start scrutinizing details they previously overlooked. It's frustrating, but shopping around can definitely help. Did you find that the new insurer had fewer requirements overall, or were they just more reasonable about existing conditions? Curious if others have experienced similar shifts when switching providers...
Had a client recently whose insurer suddenly flagged their roof as "too old," even though it passed inspection just fine two years ago. Switched providers, and the new company barely blinked at it. Sometimes it's just luck of the draw with who reviews your file...
Had something similar happen last year—insurer suddenly decided my client's wiring was "outdated," even though it passed every inspection without issue. Switched to another provider, no problems at all. Honestly, sometimes it feels like insurers spin a wheel to decide what's acceptable this month... Glad you found a workaround, though.
