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Don’t assume your home is insured while you are away (for any reason)

If an emergency arose, such as a longer term stay in a hospital, don’t automatically assume that your insurance coverage remains in place.  Empty homes are a greater risk for insurance companies and they should be informed of material changes  that compound the risk of a potential insurance claim.  The cbc investigated  a situation whereby the homeowners were denied full insurance coverage when pipes burst while they were away due to a medical emercency.  http://www.cbc.ca/news/canada/ottawa/grey-power-denies-flooded-home-claim-for-senior-who-was-away-for-cancer-treatment-1.3038200

Your home in many cases is your most significant investment.  Insurance coverage is a must.  Insuring companies are being more vigilante when assessing claims.  Having a qualified person attend the vacant home on a  regular basis (with date and time stamped evidence) provides the comfort in knowing that yo have been proactive in mitigating the risks of having your home vacant – even if it is for a medical emergency.

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