The complication of getting insurance

Getting home insurance these days is not all the simple nowadays. I remember more than 10 years ago when I got home insurance for my current property. It’s a simple call. I provide whatever information I have and they will substitute whatever information I do not have and presto, I got home insurance. Today I was try to get home insurance for 159 Chisholm Avenue and it is really complicated. They wanted to know the material and when it is updated for roof, plumbing and wiring! Now information about the roof might be simple to obtain. But when the plumbing is updated? On a house that’s built in 1922, I would imagine no one can provide an accurate answer. And wiring, even after I provided the year it is updated which is in 1990, they want to know the type of wiring. I mean seriously? You can’t use knob and tube wiring any more in 1990s any more. And the agents basically said we can’t insure you unless you give us the information, refusing even to substitute for the worst case scenario. This is just not acceptable. I do know the in and outs of homes but this is someone else’s property and they might not have all the information. And refusing to allow me to opt for the worst case scenario is also really not acceptable. The question is why not? Why can’t I opt for a house as if nothing has been updated?

Anyway after much back and forth with my neighbour and the insurance company, I finally obtained all the necessary information and got insurance for the new property. At least by the time I rebuilt the home, it will be easier to update the insurance. Because by then they will all be brand new.