The Johnson’s returned home from their glorious week away in the sun.  When they opened the front door they were shocked and bewildered to be greeted by the chilling cold, sound of gushing water, and an overwhelming stench coming from inside.  In a few minutes they realized the furnace was not on, pipes froze, then burst, and water had been running through the house for at least several days. 

A few sleepless nights later, and with repair estimates starting at $200,000, they went into complete shock and horror when they were advised there would be no compensation under their home insurance.  Very important conditions and requirements, intended to prevent this situation, had not been met.  Could this have been you? 

With the cold months soon upon us, I would like to remind all property owners (including rentals) and tenants, that if your premises is going to be unoccupied for any length of time (typically 96 hours), please remember to shut off your water (at the main) and drain the pipes OR arrange for a competent person to enter the premises daily to ensure the heating system stays on.  Failing to take these very simple steps can result in very serious water/freezing losses and a denied claim with severe financial consequences.  

Ryan Guthrie, CAIB, CIP – www.guthrieinsurance.com