Vulnerability in unoccupied properties

23rd April, 2019

If a tree falls in a forest and no one is around to hear it, does it make a sound? We don’t have an answer to this famously philosophical question, but we do know that a leak in an unoccupied property can cause significant and sustained damage that could otherwise have been picked up by a tenant or live-in homeowner. Insurers are aware of this too, which is why it’s so important to update your insurance coverage to reflect any changes to your property’s requirements.

As well as being at a higher risk of damage not being discovered for a longer period of time, unoccupied properties are also more vulnerable to targeted break-ins. If your insurer isn’t informed that your property is unoccupied, conditions may apply in the event of an incident such as a burst pipe or forced entry and you could be left in the undesirable position of having to cover the associated costs yourself.

At Routen Chaplin, we understand that circumstances can change overnight. Whether it’s a void between tenants, a holiday home during the off-season, major renovations or a property that’s been recently inherited, there are a number of reasons as to why properties may be unoccupied. If your property will become vacant or is currently unoccupied, let us know.

Insurers tend to have different attitudes and coverage when it comes to unoccupied property insurance, so why not make the most of Routen Chaplin’s extensive and trusted network of nationwide insurance providers to make sure you have the right policy to suit your property’s unique requirements?

Together, we can ensure that your insurance is thorough, accurate and tailored to provide full coverage for your current situation.