Sump pump died
by Johanna S
(Prince Albert, SK, CA)
We recently had to move because my husband took a new job in a other province. We listed our house with a realtor from our town.
Because of the transition from winter to spring we asked him to check the house every second day and several times week. He did as asked and 3 days before the possession day of the new owners, the sump pump died and we had a flooded basement. The damage is not terrible, but it's still $ 3000-4000. We called the insurance and they said...no it's vacant so they don't pay....they didn't even consider that we had someone who watched the house. So I have to cover it myself.....are they right ? So why am I still paying insurance ???? At the point move out my insurance gets useless ? I can't believe it.
Thanks for any answers.
Claim in Vacant Home
Sorry to hear about this. I don't have good news for you.
Coverage on a vacant home is quite abit different than coverage when the home is occupied. It is quite limited.
With most carriers you must notify them once the home is vacant 30 days or more. They will then charge an extra premium for a vacancy permit. Which means they agree to still insure the house, even though it is empty and there is a higher risk for claims. The vacancy permit also limits coverage.
If you were on vacation for a week or two and this happened, you would have had no issues (assuming someone was checking the house).
Thankfully you're claim isn't huge.
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