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Scams upon Scams
(lemmy.dbzer0.com)
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this post was submitted on 10 Dec 2025
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How about the fact that home insurance doesn't cover preventative care. We had a branch fall on our roof and the insurance had to pay out to get that part of the roof fixed. I pointed out that there's another dead branch up there that I'm a little concerned about hitting the roof, and maybe they would prefer to pay a few hundred to get a guy up there to remove the branch than a few thousand to get the roof repaired the next time, and the insurance company said absolutely not.
¯\_(ツ)_/¯
Theoretically speaking. They should've just raised your rates. Since your house is at higher risk than they thought. But should offer a rate decrease if you maintain your surrounding trees.
Unless that information doesn't change how risky they think your house is, therefore theoretically "correct" thing to do is what they did, nothing.
They are insurance companies. They basically bet that you'll be lucky. They don't want to lower the risk. Paying insurance companies is what you do when you want to lower the risk, and that would cut into their margins.
And yes, there are insurance companies for insurance companies.