Insurance

Some homeowners insurance policies include clauses mandating regular checks on unoccupied or vacant homes within a specified timeframe. However, these clauses often lack clarity regarding who must conduct these checks. For instance, if your policy requires checks every 10 days but your home watch provider only visits once a month, adjustments to the number of visits become imperative to avoid potential claim denials. Additionally, many homeowner policies feature a 14-day water damage exclusion, which is often unknown to homeowners. This exclusion means that the claim could be denied if water damage is discovered in an unoccupied home more than 14 days after the occurrence.