The winter season requires a lot of preparation for the properties, as harsh and cold weather can sometimes have undesirable effects on them. This is why dwellings require regular inspections and maintenance to maintain their good condition. In addition, second homes and cottages that are not inhabited all year round may require special attention.
What Should I Do?
Home roofs are a good example of what could be damaged by poor maintenance. Cleaning gutters and rims is a task that should be done before the snow arrives, as leaves and snow accumulation could block access to the drain and cause water infiltration.
Detect cracks, inspect your foundations and make sure your smoke and carbon monoxide detectors are functional. Heating systems are also elements not to be underestimated during your inspection, as well as chimney sweeping. Check their operation and do what is necessary in case of breakage.
There are several risks associated with winter damage and cold temperatures in terms of protecting fireplaces. It is important to prevent breakdowns that could result from fires and disasters. In addition, it is the owner‘s responsibility to ensure that all safety measures have been taken to protect the homes and property inside them.
Periods of prolonged absence from home means that a long period of time may have passed before an incident is discovered. The consequences of poor maintenance or lack of inspection could be detrimental to you in the event of a claim. When purchasing home insurance, it may be possible to include different options in your coverage depending on the type of home and the use you make of it. Ask your broker for information; he or she can guide you according to your situation.
Types of Coverage
It is important to be factual about your home insurance coverage. Secondary residence insurance refers to any dwelling that is not inhabited on a full-time basis, but on a part-time basis. As a result, the insurance covers only certain risks since it is uninhabited for a long period of time.
Taking out civil liability insurance could also be in your favour and protect you, particularly if material or bodily damage were to occur to others.
It is possible to add your secondary home to the home insurance policy of your primary home. These can be combined with the second home insurance program. A specialized broker will be the ideal person to advise you on your various options.