JohnnyD
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Mayenne (53) When Covid allows..........Which isn't very often these days........
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Post by JohnnyD on Jan 27, 2022 17:26:09 GMT 1
With conversations in other threads, this seems like a good idea for a new topic maybe?
Holiday home insurance.....with the problems re condensation etc I am considering leaving all electricity on and the water, this way I can remotely fire up the boiler from the UK occasionally. Is this a good idea? Would it break insurance rules re holiday homes, or is every policy different with regards to how the house is left? What would happen in the case that I have builders/contractors round in our absence that need water and power? Is it a known issue with insurance for a holiday home that says electricity and water should be turned off? Its not something that ever occurred to me.....
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FFS
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Post by FFS on Jan 27, 2022 17:30:30 GMT 1
Do you have current insurance for your holiday home?
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Post by lurcher on Jan 27, 2022 17:31:48 GMT 1
Our insurance allows us to keep the central heating going but it stipulates that the temperature must be at least 15degC. We do not set it that high and Hope there is no evidence of it if a disaster occurs.
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JohnnyD
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Mayenne (53) When Covid allows..........Which isn't very often these days........
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Post by JohnnyD on Jan 27, 2022 17:34:19 GMT 1
Yes via Credit Agricole since we purchased the house in 2019........But I dont really know if its 'Holiday Home' insurance or standard insurance, the CA bank account is not via Britline. but a direct reference/contact with the bank in our village who has now left.....
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FFS
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As usual, in front of my laptop when I'm here
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Post by FFS on Jan 27, 2022 17:37:07 GMT 1
And no doubt the contract is back home in the UK?
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JohnnyD
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Mayenne (53) When Covid allows..........Which isn't very often these days........
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Post by JohnnyD on Jan 27, 2022 17:39:23 GMT 1
I might be able to access it online, but it will make very little sense, is there a good online document translator for legal stuff like that?
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Post by tim17 on Jan 27, 2022 18:46:36 GMT 1
Johnny, would you consider employing a management company? We look after more than a dozen holiday homes and tailor what we do to the client's needs so if a client wants the house warm for when the arrive we'll make sure it is.
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Post by pcpa on Jan 27, 2022 19:12:37 GMT 1
I might be able to access it online, but it will make very little sense, is there a good online document translator for legal stuff like that? I suggest you make it a priority to understand the T&C's before you might need the insurance, many have found to their chagrin that they have been paying for years only to not be indemnified when they made a claim due to their absences or not having prepared the property to the exact and often impossible insurers requirements, not having the right locks, shutters etc. |
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gigi
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Post by gigi on Jan 27, 2022 19:33:04 GMT 1
Johnny, would you consider employing a management company? We look after more than a dozen holiday homes and tailor what we do to the client's needs so if a client wants the house warm for when the arrive we'll make sure it is. I was going to suggest that, Tim. When Covid hit we decided to do just that; somebody we knew was very trusted by a couple in our apartment block visits each month, checks security, opens windows and runs taps, flushes WCs, supplies a report each month. |
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Post by traveller on Jan 27, 2022 20:17:30 GMT 1
Yes I agree, it’s probably wiser and cheaper to find someone locally, if you have a neighbour so much the better, but I’ll bet there are loads of people who would be willing to take that kind of job on for not too much money. I’ve also never fully understood the insurance, but fortunately never had to make a claim. They’d probably come and switch the heating on to warm up before you arrive which is always a pleasant prospect.
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JohnnyD
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Mayenne (53) When Covid allows..........Which isn't very often these days........
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Post by JohnnyD on Jan 27, 2022 21:07:19 GMT 1
I would and am considering that, I have someone in mind, but does that get over all the insurance problems mentioned which was what the topic was about at the start of it?
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exile
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Massif Central
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Post by exile on Jan 27, 2022 22:36:21 GMT 1
That depends entirely on the policy.
Re standard house policies*:
I have seen some that say a property should not be left unattended for 21 days or more and another that said 50 days.
*and it may be that that is what you have even if the house is a second home.
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Post by landmannnn on Jan 27, 2022 23:13:35 GMT 1
With conversations in other threads, this seems like a good idea for a new topic maybe?
Holiday home insurance.....with the problems re condensation etc I am considering leaving all electricity on and the water, this way I can remotely fire up the boiler from the UK occasionally. Is this a good idea? Would it break insurance rules re holiday homes, or is every policy different with regards to how the house is left? What would happen in the case that I have builders/contractors round in our absence that need water and power? Is it a known issue with insurance for a holiday home that says electricity and water should be turned off? Its not something that ever occurred to me.....
I'm insured with CA. Just a quick read, it says under the Gel section that you should have anti freeze in the system or drain it if not. I can't see any reference to turning water off or electricity either. |
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Post by specsavers2 on Jan 27, 2022 23:21:46 GMT 1
We check our neighbours house. Power is left on but he has never mentioned leaving his heating on.
He had a problem with mould in his living room,walls and furniture.
We moved all the furniture away from the walls to aid air circulation and put in the salt containers to absorb moisture.
Alllooks ok for now, we do check and empty and renew the salt saches.
We have four of these in our own house and empty every 6weeks or so.
Don’t have any reel problems with moisture using them.
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Post by tim17 on Jan 28, 2022 8:42:21 GMT 1
We never leave the water on at any of the houses we look after in the winter, the hot and cold pipes are drained down with a tap left open. For those properties that have central heating the system is left on 'frost' setting. In all cases where the client pays us to check the house it is done twice a month and after bad weather such as high winds and heavy rain.
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