When you decide to leave your property for an extended period of time, for either a vacation or another reason, there’s a lot to think about. While it’s important to ensure your property looks like it’s being lived in, it’s equally important to make certain you are still being covered under your home insurance. When your property is left unoccupied or vacant for a period of time, you could be compromising your insurance policy.
It is generally assumed that when you are home, you will be aware of any potential danger. You would be able to respond quickly and correct any damage. In most cases, insurance companies include a clause that someone reasonable must carry out periodic inspections to ensure your policy does not become null and void.
Some requirements may be:
Proper steps were taken to reduce the risk of burst pipes during the cold season.
Someone was given the task to inspect the property if it was going to be left vacant.
You may need to notify the insurance provider.
The heat must remain on while you’re away and kept at a minimum temperature during the cold months.
It is generally assumed that when you are home, you will be aware of any potential danger. You would be able to respond quickly and correct any damage. In most cases, insurance companies include a clause that someone reasonable must carry out periodic inspections to ensure your policy does not become null and void.
- Weekly/Bi-Weekly/Monthly inspections
- Monitor thermostats
- Remove newspapers/flyers
- Run faucets/flush toilets
- Inspect windows and doors
- Detailed Inspection Checklist provided after each visit
