Your insurer considers an unoccupied dwelling riskier than an occupied one. Depending on how long you are away from your home, you need to make arrangements to ensure your dwelling is checked regularly, especially through the heating season. In some circumstances, you may need to inform your insurer.
If you will be away from your Bobcaygeon home for fewer than 30 days, you do not need to inform your insurer. However, you do need to arrange for a competent person to look in on your home every day or two to make sure that everything is in good order. If a deep freeze and a broken furnace results in exploding pipes and water damage that goes unnoticed for several days, your insurer could refuse to cover the costs if no one was looking in on the house.
If you are away for more than 30 days, your Bobcaygeon home is considered “unoccupied” because you plan to return. In this case, you should contact your broker to determine whether you will need to inform your insurer and obtain a special permit to leave the house empty. You will still need to arrange regular checks on the property, and you might want to consider draining water pipes and installing a good security alarm system.
A fully vacant property is one with no occupants and no contents. This may occur if a house sale is delayed and the property remains vacant until sold. In this case, you need to obtain a vacancy permit from your insurer. This permit will maintain most of your coverage, except for risks associated with vacancy such as broken water pipes, broken glass or vandalism. These permits can be obtained for up to three months.
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Allan Stanley’s “Beehive” Golf and Hockey Camp was where I took my first Golf Lessons and I had the opportunity to meet and interact with Allan on numerous occasions as part of daily life in the Bobcaygeon. We have lost a valued community member.
Allan Herbert Stanley
Born: March 1, 1926 (Timmins, Ont.)
Died: October 18, 2013 (Bobcaygeon, Ont.)
Hockey Hall of Fame (1981)
Lindsay and District Sports Hall of Fame (2005)
The clock showed 55 seconds left in regulation of Game Six of the 1967 Stanley Cup finals. The Toronto Maple Leafs nursed a 2-1 lead in the game and a 3-2 lead in the series. The Montreal net was empty. With a face-off in the Toronto end to the side of goalie Terry Sawchuk, 37, Leafs coach Punch Imlach sent out his other old warriors — Red Kelly, 39; George Armstrong, 37; Bob Pulford, a mere babe at 31; and defenceman Allan Stanley, 41, whose unenviable job it is to take the decisive face-off.
After the game, Punch called them his Old Boys A.C. It was an athletic club whose every…
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At Cottage Lifts Enterprises we have found that our long Ontario winters have a tendency to make us really anxious to get back to the cottage in the spring and start enjoying everything it has to offer. But…remember that hill you vowed never to climb again? As you close up the cottage for the winter we find that this is the time that you should be thinking about a hillside lift, perhaps not for yourself, but think of your parents or friends. We build lifts over the winter for installation first thing in the spring. You are not alone. Hurry and place your order with a deposit and be the first on our list for next spring!
Hearth appliance installers are well aware that venting system requires specific clearances to combustible materials. Many homeowners and contractors that decide to add more attic insulation don’t consider the clearances. Many times the additional insulation is blown in or installed right up to the venting system. The heat transfers to the surrounding combustibles and then there may be problems. If you would like a copy of the Hearth, Patio & BBQ association’s simple one page technical bulletin regarding this send me an email at firstname.lastname@example.org