My question involves real estate located in the State of: Colorado
A while ago I switched insurance on my house that my wife and I have owned for 5 years+. I learned two weeks later from the new insurance carrier that an inspector from a third party had carried out an “outside” inspection at the insurance carrier request, (either my wife nor I nor our two kids were there at the time of the inspection) and I obtained the report. The report shows pictures taken close (10-20’) of all sides of the house, when our property lines are 100’ or more from the house. It is impossible, in addition, to take good pictures or have a good view from the street given there are tall and thick hedges at the property lines. There is also a picture of the inspector ladder right on one of the walls of the house.
I should stress that I was given no notice nor asked for permission, although the report states that a phone call was made, which is untrue and I can easily prove it with my phone records. I should also add that I carefully examined our (new) insurance policy (in effect when the inspection was done) and there is no language whatsoever stipulating that we give our consent for entering our property.
Seems to me that the inspector trespassed. While we have nothing to hide (the inspection actually noted nothing negative), I was shocked to learn that someone I don’t know/stranger simply decided to walk close/around my home without any consent (which I would have given if asked, making sure I would have been there). Nothing, apparently, was disturbed yet I’ve felt a nasty feeling of being violated. I should also probably add that while we have no "no trespassing sign", the limits of the property are obvious (city, combination of fence and hedges).
I am contemplating pressing charges for trespassing against the third party company for which the inspector worked for. Am I entitled to do so, and are there any cons/dangers in doing that? Just doesn’t feel and seem right.