This "have the homeowner do the work for us" has gone gangbusters.
Received a letter from our homeowners insurance. They stated that they needed to see the home to make an accurate assessment for replacement costs. This our right and it's in your contract. I stated "fine, when do you want to come and have a look?"
They told me "No, we don't have any agents to do this. "You" are to supply us with the photos from your cell phone from scanning the QR code in your letter."
So I go to their website, look at what it entails to provide them the information, for free I might add, and refuse to do it. You want to see it, you come and get it.
The wife freaked out a little bit thinking they would drop us. I told her we have a rental, three cars, and this house with them. Do you think they'll drop us and lose that income? Besides, no matter how good, accurate my photos are, the rate is going to raise. Everyone's are.
Sure enough, without lifting a finger or hearing back from them, we get our new policy with a rate increase. I'm tired of working for or doing extras "for free."
Large corporations are getting rid of their staff, increasing their bottom line, and having you do the work for them for free folks.