The Importance Of A Property Watch Service: Insurance Regulations And The Absentee Homeowner
Did you know that some insurance companies have very specific language about leaving your home vacant for extended periods of time? In the case of long absences, “unattended” properties could become “uninsured” properties according to the finer print in many insurance policies – unless they are properly monitored.
Insurance companies will cover some damages but there are very clear exclusions. Here’s a real world, timely example of how Castle Key Florida Property Insurance Company declined a homeowner’s recent $48,000.00 claim:“…Losses we cover under Coverage A: We will cover sudden and accidental direct physical loss to the property…except as limited or excluded in this policy. Exceptions: 18: Seepage, meaning continuous or repeated seepage or leakage over a period of weeks, months, or years, of water, steam or fuel: a) from plumbing, heating, air conditioning, or automatic fire protection system with the condominium or from within a domestic appliance; or b) from within or around any plumbing fixtures including but not limited to shower stalls, shower baths, tub installations or other fixtures designed for the use of water and steam. Allstate Insurance Company respectfully declines coverage for your loss because of the policy conditions and exclusions…”
It’s not just one insurance provider. Universal, Allstate and Citizen’s Insurance company all have very similar policy conditions and exclusions as noted here:Universal: “…Accidental discharge or overflow of water or steam from within a plumbing, heating, air conditioning, or automatic fire protective sprinkler system or from within a household appliance. We also pay for tearing out and replacing any part of the building which is covered under Coverage A and on the “residence premises,” if necessary to repair the system or appliance from which the water or steam escaped. This peril does not include loss: a: On the “resident premises”, if the dwelling has been vacant for more than 30 consecutive days immediately before the loss. A dwelling being constructed is not considered vacant…”
Allstate: “…Item (6) Continuous or repeated seepage or leakage of water or the presence of condensation , humidity, moisture or vapor that occurs over a period of 14 days or more…”Citizens: “…13: Constant or repeated seepage or leakage of water or steam, or the presence or condensation of humidity, moisture or vapor, which occurs over a period of 14 or more days, whether hidden or not. 14: Accidental discharge or overflow of water or steam from: within a plumbing, heating or air conditioning or automatic fire protective sprinkler system, within a household appliance for heating water or within a household appliance. (This exclusion 14 applies only when the dwelling is vacant, unoccupied for more than 30 consecutive days or being constructed; unless you have used reasonable care to: shut off the water supply, drain the system and appliances of water…”
SanCap Management provides the highest level of peace of mind for an absent homeowner and their homeowner’s insurance company. We perform scheduled inspections of your property with weekly, bi-monthly or monthly services available.
We provide the following services:
- Turn on water
- Flush all toilets
- Run water in all sinks and showers/tubs
- Inspect water heater/check pan for moisture
- Check for plumbing leaks or other related problems
- Look for any moisture or humidity issues
- Look for signs of water intrusion
- Look for signs of forced entry/vandalism
- Check security of all doors and windows
- Inspect exterior of property for anything out of the ordinary
- Check temperature vs. thermostat setting
- Check A/C filter and replace if necessary (extra charge)
- Visually inspect air handler and condenser if accessible
- Reset A/C and Humidistat upon arrival/departure
- Prepare unit for owner/guest arrival Turn on water, refrigerator and water heater
- Raise/remove hurricane shutters
- Adjust A/C setting
- Start car if applicable
What are the best reasons to hire a Property Watch Service? It’s critical for an absentee homeowner to take the necessary steps to prevent problems before they arise. Water damage can easily be lessened by hiring a professional Property Watch service. Catch small problems before they become big problems.
- Air Conditioning: Our routine checks will help keep the humidity down inside your home. We take care to make sure the air conditioning is set at the optimal level for the current local conditions.
- Plumbing: Catching an early leak can stave off mold and structural damage saving you thousands in water damage repair bills. The most common and preventable disaster to your home is a plumbing failure.
- Critters & Pests: You’re not the only one who thinks your home is a quiet place to relax. Let us inspect your home for signs of unwanted guests like bees, snakes, rodents and frogs.
- Landscaping and Pools: Malfunctioning sprinklers can cause high water bills and lawns to quickly decline. Screens and pool cages can be damaged by storms, high winds, falling vegetation, rodents and birds. We ensure your exterior gets the same attention as your interior.
- Refrigerators: Power outages occur frequently on the Islands and LCEC recommends cleaning and unplugging your appliances prior to leaving for an extended period of time. If the appliance fails due to mechanical problems, food can be left to spoil inside the appliance until discovered causing damage to the appliance and flooring.
Being an absentee homeowner can be hard work. Let SanCap Management Property Watch Services make it easy for you!
Please call 239-472-2255 or click this link and SanCap Management will send you a custom quote to assist you in keeping necessary watch over your home or condo.
Our office is in the SanCap Gateway building, the first building as you come onto the Island conveniently located next door to the Sanibel Captiva Islands Chamber of Commerce.
SanCap Management Property Watch Service is Comprehensive, Professional, Safe & Secure • Licensed & Insured