Looking after a property that will be empty

Properties can become empty during probate, renovation, a sale or a gap between tenants. Empty buildings may face greater risks from escape of water, theft, vandalism and unnoticed damage, while standard policies often change the cover after a stated period.\n\n## Tell the insurer promptly\n\nDo not assume existing cover continues unchanged. Explain why the property is empty, how long this is expected to last, whether utilities remain connected and whether work is planned. Short-term policies may be available for three, six or twelve months, subject to underwriting.\n\n## Set an inspection routine\n\nFollow the policy’s inspection conditions and keep a dated log. Check doors, windows, roofs, gutters, signs of leaks, heating and the condition of the garden. Deal with post and deliveries so the property does not look obviously empty.\n\n## Manage water and heating\n\nDuring cold weather, decide with appropriate professional advice whether to maintain heating or isolate and drain water systems. Requirements differ between policies, so follow the specific wording.\n\n## Keep the property secure\n\nUse suitable locks, alarms and lighting. Remove valuable portable items and avoid displaying renovation materials. Make sure trusted keyholders know what to do if an alarm or incident occurs.\n\nThis article provides general information only. Always follow the conditions and precautions in your own insurance policy.