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How Home Watch Can Protect Your Home This Winter

During the wintry holiday season, many Torontonians can’t wait to escape somewhere warmer (or maybe somewhere colder, since the Ontario ski season is looking to start a little late this year). The Friday before Christmas (yes, that’s in 2 days!) is one of the busiest travel days of the year at Pearson Airport.
So you booked your flight, packed your bags, locked your doors and set the alarm. You are sure that everything is set, but is it? Most homeowners assume that if they have insurance they will be covered for anything that goes wrong in their home while they are away. What many don’t know is that when insurers set their premiums they assume that the house will be consistently occupied. Most insurers can deny coverage for a home that is left empty for 30 days or more.
The type of damage that occurs while the homeowner is away will also make a difference in whether it will be covered by your insurance company. According to many policies, water damage caused by freezing of the plumbing system within a heated home will not be covered if you have been away for more than seven consecutive days, unless you can show that someone has entered your home every seven days to ensure heating is maintained. According to the Insurance Bureau of Canada, some insurers can enforce a four day limit for unoccupied homes, especially in the winter.
Whether you are spending the winter in a warmer climate or just leaving town for the holiday season, hiring a bonded, licensed and insured home watch company is a smart move. When you hire a home watch company like Toronto Home Watch that carefully documents their home checks, you can sit back, relax and know that you’ve take steps to avoid costly insurance denials and disputes! And when you return we can ensure that your thermostat is back up to a welcoming temperature and your fridge is stocked with all of your favourites to welcome you back to Toronto!

Contact Toronto Home Watch at info@torontohomewatch.info or 647-490-5115 to learn more.

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