> if their insurance is cancelled based on inaccurate information
I see this type of comment on HN too often. Some hypothetical bullshit scenario followed by a BIG if. Armchair quarterback type of comment.
In all highly advanced countries (G7 and similar), insurance is insanely strictly regulated. If they cancel your policy for a b/s reason, and your protests are ignored, then tell the regulators. They will fix it quickly and slap a huge fine on the insurer.
> If they cancel your policy for a b/s reason, and your protests are ignored, then tell the regulators. They will fix it quickly and slap a huge fine on the insurer.
You have too much faith in the regulators, that's not how it works.
Insurance companies are violating these rules all the time, only when you can gather a critical mass of complaints against a specific one will anything happen.
Isn't it depressing how someone can make a blatantly dumb and incorrect assertion on the internet and instead of people just shaking their heads and moving in that dumb comment becomes the centre of attention and people spend all their arguing about this obviously waste of time incorrect assertion?
> I see this type of comment on HN too often. Some hypothetical bullshit scenario followed by a BIG if. Armchair quarterback type of comment. In all highly advanced countries (G7 and similar), insurance is insanely strictly regulated. If they cancel your policy for a b/s reason, and your protests are ignored, then tell the regulators. They will fix it quickly and slap a huge fine on the insurer.
Except that according to the article this "hypothetical bullshit scenario" is already happening and there are even several examples of it happening including one where a person was rejected for the condition of their roof when the roof was brand new, and another where a person was rejected because of trees that were nothing more than shadows.
Since you know that it's so easy to "tell regulators" and get things fixed quickly you should reach out to Douglas Heller, the director of insurance at the Consumer Federation of America, because he's under the impression that “The technology is way ahead of any consumer protections” and consumer groups feel that inspections via aerial images are "worrisome because of the limited rights customers have to challenge the images"
You can find Mr. Heller here (https://consumerfed.org/expert/douglas-heller/). I'm sure Douglas would love to learn about how none of this is a problem because "insurance is insanely strictly regulated" and your expertise would mean that he can better help the people currently struggling with this issue and potentially even save others from having to deal with it in the future.
I suspect very few customers have the wherewithal and time and effort to “tell the regulators”. (Who, to issue a fine, would have to show malfeasance so the customer needs to produce evidence of the interaction sufficient to show the insurer broke the law)
In all highly advanced countries (G7 and similar), insurance is insanely strictly regulated. If they cancel your policy for a b/s reason, and your protests are ignored, then tell the regulators. They will fix it quickly and slap a huge fine on the insurer.