Unfortunately, it’s a sad truth that unoccupied homes are more at risk of dangers such as fire, theft and water damage (amongst other things) than properties that are visited on a daily basis. Equally, if something were to happen at the property (such as a leaky pipe), it would take longer for someone to notice the problem and mitigate the issue, during which time extensive damage could be caused.
Therefore, it’s very important to notify your insurer if your property is going to be unoccupied for a prolonged period of time, as they will usually have certain terms and conditions that apply for unoccupied properties. Check your policy documents to find out exactly what’s covered, as not adhering to the policy terms and conditions could have a negative impact on a future claim.
If your property is unoccupied, your insurer will usually ask you to do the following: