Many of our clients own multiple properties and divide their time between two homes. It’s important to make sure that you have taken all the necessary precautions to ensure that your property is protected while you are away.
Below are some thoughts we’d like you to consider so that you can prevent potential damage.
Ensuring that heating and HVAC systems are in proper working order is very important. You want to be sure that it can continue to function during the winter months to help prevent a damage due to a fire or freezing. You will also want to be sure that the electrical system continues working. You may want to consider installing a standby generator to protect your home from power outages. If the heating system is to be turned off completely, have the plumbing system drained (or properly winterized) to prevent freezing damage.
If hot water heating system and/or water pipes will not be drained, keep the thermostat at a consistent temperature (not lower than 60 degrees) throughout the winter months. Strongly consider the installation of a whole house water flow device with automatic shut-off and low temperature sensor.
Before you leave, check that all cameras, lights, gates and other security features to make sure they are working properly. If you do not already have a central station fire and burglar alarm installed, this should be considered a high priority. It is also worth considering adding lighting that is automated with timers or motion detectors to make your home look occupied. Here are some other tips for unoccupied homes.
Unplug nonessential appliances such as washers, dryers and dishwashers. You can also turn down the water heater and program your thermostat accordingly.
Making sure you have someone to regularly check on the house (at least once a week) and be on call in case there’s an emergency.
If you want more information on the benefits of generators, water flow alarms, or central station fire and burglar alarms, check out our linked articles or reach out to your local agency. We would be happy to speak with you and help you find out if having any of them installed will result in a discount on your homeowner’s insurance.
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This article is for general informational purposes only and is not to be relied upon or used for any particular purpose. Cross Insurance shall not be held responsible in any way for, and specifically disclaims any liability arising out of or in any way connected to, reliance on or use of any of the information contained in this article. The information contained or referenced in this article is not intended to constitute and should not be considered legal, insurance, accounting or other professional advice, nor shall it serve as a substitute for the recipient obtaining such advice. The views expressed in this article are that of its author and do not necessarily represent the views of Cross Financial Corp. and its subsidiaries and affiliates (“Cross Insurance”) or Cross Insurance’s management or shareholders.