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Posted by Antipodean Bucket Farmer on February 3, 2006, 8:12 pm
 
(Top-posting fixed)

In article
wind-sun@earthlink.net says...


No, I didn't mean that somebody has to physically be
there 24 hours a day.

I was referring to situations where the house is left
unoccupied for several months, with nobody generally
living there, and nobody going there during that time
period.

The insurance policy might have a clause that states
that it will lapse (I.e. won't pay out for losses) in
such a situation.


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Posted by DJ on February 3, 2006, 12:56 pm
 

Antipodean Bucket Farmer wrote:


To be fair, yes, the inlaws have a clause requiring someone to visit
their home a few times a week when they're vacationing down South in
the winter. I understand it to more be based on checking for burst
pipes and water damage, however.


Probably??

Years ago, when I lived in a rented apartment, if the landlord/owner
wanted to inspect the apartment, he needed to give me 24 hours written
notice, or bring a cop with him.

DJ


Posted by Gordon reeder on February 3, 2006, 10:06 pm
 


And most mortgages do have a clause requiring you to
keep an updated insurance pollicy.  They even will
collect the insurance priemium from you as part of
your monthly payment.  Ever heard of an escrow/impound
account?

If you let your insurance lapse, the bank will buy a
policy for you.  Usually at a higher price than you
could get, and it only covers the banks intrest in
the property (read: pays off the balance of the
mortgage if the house is dammaged beyond repair).

Posted by dold on February 2, 2006, 10:04 pm
 
How could they possibly have determined that you were no longer connected
to the grid?  Do they pay your bills for you?

Did you apply for a loan to finance the new power system?

Occupancy would be checked by some means other than breaking and entering.
Furniture inside?  General disarray, indicating no one had been there in a
long time?  Massive solar array and signs of construction here and there?

A "do not forward" letter?


Thanks for reminding me, though.
I need to call my insurance agent about my new system.


--
---
Clarence A Dold - Hidden Valley (Lake County) CA USA  38.8,-122.5

Posted by Steve Spence on February 3, 2006, 12:08 am
 who wrote:

So, did you charge them with breaking and entering?

--
Steve Spence
Dir., Green Trust, http://www.green-trust.org
Contributing Editor, http://www.off-grid.net
http://www.rebelwolf.com/essn.html

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