About Our Winter Check Program

Did you know that your insurance policy dictates the amount of days required to check the inside and outside of your property? While this can vary from one insurance policy to another, failure to do so can result in damages not being covered, leaving homeowners to pay out of pocket. Most insurance policies dictate that the maximum amount of days that the property can remain unoccupied is 60 days.

During the winter months, cottages face unique challenges that can lead to costly repairs if left unchecked. Some of the most common issues include:

1. Frozen Pipes: Without regular monitoring, a drop in temperature can cause pipes to freeze and burst, leading to significant water damage.
2. Storm Damage: Heavy snow, ice, and wind can damage roofs, siding, and windows.
3. Wildlife Intrusions: Small animals may seek shelter in an unoccupied property, causing destruction inside.
4. Break-ins or Vandalism: Unoccupied properties can become a target for theft or vandalism.

• Interior Assessment:
  

1. Inspecting for signs of water leaks, frozen pipes, or other damage.
2. Checking heating systems to ensure they are functioning properly.
3. Ensuring doors and windows are secure and intact.

• Exterior Assessment:
  

1. Assessing the roof and gutters for snow buildup or ice dams.
2. Checking for fallen branches, storm damage, or wildlife activity.
3. Ensuring walkways and driveways are clear and safe.

After each visit, we provide a detailed report with photos and any necessary recommendations for further action.