Wow...I was wondering if you had actually contacted your State Farm agent to talk about this or whether you have just been receiving these letters? This seems extreme to me - no personal property allowed on your yard or porch? Is that because they are afraid that it will get stolen or because they are afraid someone will trip on it and sue?
skullaria wrote:
A few weeks ago we got a letter from State Farm that they were going to be driving by our home and taking pictures, not to worry, it was just a standard check.
So we didn't worry. Well, I suppose we should have worried, because there is no way their drive-by could have been JUST a drive by. See, we live up on a hill, and most of our yard is fenced in.
Today, we got a letter that they were dropping our coverage if we did not do certain things. One was that we are to remove all personal property from our yard and porches. The second, was that we are going to have to remove the ladder from our pool.
Our pool is behind the fence, and has been covered for 2 months now. The offensive ladder goes from the deck down into the pool and cannot be seen unless you get behind our fence, go to our pool, remove our pool cover, and look.
I was upset. I complained to a friend. She said that her son had got a similiar letter because he had a single loose piece of fleishing(sp?) on his roof, and that she knew someone that just had their policy terminated and got a refund of their premium because they found a trampoline in their yard.
I've never heard of such. We've had this home for 16 years now and have, in all that time, never filed a single auto or home insurance claim. Never. We are so private that I doubt we ever WOULD unless we had very serious property destruction.
So just...thought I'd warn folks that a 'drive-by' letter obviously means they are coming to snoop around and get in your stuff.
