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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

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.


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.


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

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

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