It is generally assumed that when you are home, you will be aware of any potential danger. You would be able to respond relatively quickly and mitigate any damage. In most cases, insurance companies insert into their ‘fine print’ that someone reasonable must carry out periodic inspections to ensure your policy does not become null and void.

Some stipulations may be:

• Proper steps were taken to reduce the risk of burst pipes during the heating season;

• That a reasonable person was given the task to inspect the property if it was going to be left vacant (find out for how many days you need to get an inspection);

• It could be written that you must notify the insurance provider; and

• The heat must remain on during at a minimum temperature during the cold months.

At LPM, you will have peace of mind knowing your home will look like someone is living in it, keep your insurance valid through periodic inspections, and coordinate routine exterior maintenance.