Phone: 204-771-0198

Insurance Risk – Have Your Home Checked When Away

February 26, 2017 /

Insurance companies in Canada may limit or void your homeowner coverage if you failed to recognize your obligations and did not take proactive steps to manage the risk.  This is certainly the case with the most common coverage exclusion – water damage as a result of leaking or burst pipe.

Canadian insurance policies state that the homeowner must provide proof that they proactively managed the risk of water damage if they have been away for more than four days during the typical heating season.  Therefore, if you plan on being away, you are obligated to take preventative action regarding the possibility of a leaking or burst pipe. For example, turn off the water at the main valve, lower the heat but keep it on above freezing, and have an adult check the property on a regular basis.

The earlier any interior water damage is detected, the lesser the overall damage and cost of repairs

It’s wise to follow some good precautions prior to going away for any extended period of time.  Here are some suggestions:

  • turn off the main water supply
  • drain the water by opening the faucet at the lowest level in the house – usually the basement bathroom
  • turn the dial on the hot water tank to “vacation” mode
  • keep the heat on to prevent freezing
  • have a trustworthy and competent adult check the home at least twice a week.
  • ensure your home check inspector maintains a log of all visits


Flooded Basement during the Winter. The Horror.

Here's a scene you would never want to experience.  In this case the homeowner couldn't even pump out the water because the furnace was flooded and inoperable. High efficiency furnaces have a sensor on the outside exhaust pipe that will shut down the furnace if the...

Keep your home safe the SMART way

While you're away, do you sometimes suffer the nagging feeling that something isn't quite right back home?  New "smart" home devices can help you stay current on everything from household temperatures, sump pump activity, air quality or home deliveries. Here's a few...

How Long Does a Hot Water Heater Last?

Two appliances that are the most common problem for homeowners who are away for an extended period of time are the furnace and the hot water tank.  They both seem to cause problems during the most inconvenient time.  Let's deal with the hot water tank first. It's good...

Testimonials are Satisfying

I never ask for testimonials, but when they are recieved unsolicited, it certainly is satisfying.  We  try to treat our client's homes like it was our own.  The trust people put into our hands is acknowledged and we want to ensure their time away from home is...

Furnace Issues in Extreme Cold

Most homeowners have upgraded their furnaces to high efficiency models.  These typically come with an exhaust exit pipe at the side of the house. During winter with an abundance of snow and very cold temperatures, this exhaust pipe can be buried in snow or severly...

Pin It on Pinterest