As independent insurance agents here at MVR Insurance Agency, we spend a lot of time helping clients navigate unexpected situations. But lately, one trend has been coming up more and more—and it’s catching homeowners completely off guard.
A recent case involving State Farm highlights the issue: a homeowner was told to replace her roof at a cost of roughly $20,000 after an inspection that may have been conducted remotely—without anyone physically visiting the property. (click here to read the article)
Whether you agree with the outcome or not, the bigger story here is how inspections are changing—and what that means for you.
The Industry Is Evolving (Quickly)
Insurance companies are under pressure. Rising claims, severe weather, and increasing repair costs are forcing carriers to reassess risk more aggressively than ever before.
One of the tools they’re turning to? Aerial imagery.
Drones, satellite photos, and AI-assisted analysis allow insurers to review properties faster and more frequently. From an operational standpoint, it’s efficient. But from a homeowner’s standpoint, it can feel sudden and confusing—especially when the first notice you receive is a demand for repairs.
Where Independent Agents Come In
This is exactly where working with McCartney, Verrino and Rosenberry (MVR) an independent agency matters.
Unlike captive agents who represent a single carrier, independent agents advocate for you. When situations like this arise, we help:
- Request and review the inspection data used by the carrier
- Clarify what’s actually required versus what may be negotiable
- Coordinate second opinions from local inspectors or contractors
- Explore alternative coverage options if needed
Our role here at MVR is to make sure you’re not navigating these decisions alone—or in the dark.
Not All Roofs (or Reports) Are Equal
Aerial inspections can be useful, but they’re not perfect.
We’ve seen cases where:
- Normal aging is flagged as “damage”
- Shadows or debris are misinterpreted
- Older roofs are automatically categorized as high risk
That doesn’t mean every report is wrong—but it does mean they shouldn’t go unquestioned, especially when the financial stakes are high.
What You Should Do If You Get a Notice
If you receive a repair demand or non-renewal warning, don’t panic—but don’t ignore it either.
Here’s how to respond:
- Contact MVR Insurance Agency immediately
Timing matters. Many carriers give strict deadlines. - Ask for documentation
You have the right to see the images and findings behind the decision. - Get an independent inspection
A local professional can provide a ground-level assessment to compare. - Keep records
Photos, invoices, and maintenance history can make a big difference. - Review your options
If one carrier takes a hard stance, others may evaluate your home differently.
The Bigger Picture
This shift toward remote inspections isn’t going away. In fact, it’s likely to become standard practice across much of the industry.
That’s why proactive homeowners—and proactive agents—are adjusting now.
Regular roof maintenance, updated photos of your property, and open communication with your agent here at MVR can help prevent surprises down the line.
Our Perspective
Technology can absolutely improve the insurance process. Faster insights and better data can benefit everyone—when used correctly.
But decisions that impact your home, your finances, and your coverage should always involve clarity, communication, and common sense.
That’s where MVR Insurance Agency comes in.
If you ever receive a notice that doesn’t sit right, or just want a second set of eyes on your homeowners policy, reach out. Our job is to make sure you understand your options—and to help you make the best decision for your situation.
Because at the end of the day, insurance shouldn’t feel like a one-sided conversation.