How do I keep my home safe while i’m away ?

How do I keep my home safe while i’m away ?

Here is a list of recommendations of things to do before leaving, whether for only a few days or for a longer period.

Water damage is the type of damage most often claimed in Canada. If you leave your home for more than four consecutive days, make sure you:

  • Cut the water supply (shut off the water supply to your house, the washing machine and the water heater)
  • During the winter months, keep the heating on and ask someone you know to regularly visit your home to make sure the heat is on in order to keep your pipes from freezing

You should also make it look like the home is lived in to deter burglars:

  • Keep the curtains drawn
  • Hire someone to remove the snow (or mow the lawn in summer)
  • Ask a relative or a neighbour to pick up your mail and suspend newspaper delivery
  • Set the indoor and outdoor lighting using a timer
  • Finally, announce your departure to as few people as possible and most importantly, be discrete on the social networks!

A loss! What to do?

Despite your precautions, did you get an unfortunate surprise upon your return home? Here are the five steps to follow in the case of a loss affecting your home*:

1. Contacting your insurer. Call your insurer as quickly as possible to describe the circumstances of the loss in detail. The claim file can then be opened.

2. Preparing your claim list. Make a list of your goods that are damaged, destroyed or stolen, including the model, proof of purchase, the warranty and the price. Don’t forget to take pictures of the damages.

3. Assess the damage. The claims adjuster handling your file will investigate the circumstances of the loss, analyze the documents you will have provided and explain the process.

4. Settlement agreement. If it is possible to repair the item, it will be repaired. If not, your insurer will replace it or pay an indemnity as provided in your contract.

5. Payment of indemnity. Depending on the scope of your loss, your insurer will pay you the indemnity in one or several payments. Your insurer may also pay your suppliers or contractors directly.

* Source: Infoinsurance (Insurance Bureau of Canada)

**Exclusions and limitations may apply. Please contact your insurance company for more information on your policy.