No heat in northern home all winter.
With the high cost of keeping heat in our Illinois home all winter while we are gone I am considering turning off all heat to our house. I already turn the water off and blow out the lines and winter...
Forum Discussion
az99 wrote:doxiemom11 wrote:Show us that in our policy please.
If you totally shut off your heat, your homeowners insurance will not pay for any damage as a result of freezing of any surface or structure.
It falls within the "duty to protect against loss" phrases that are standard in every policy.
It's difficult if not impossible in most places to even BUY homeowner's insurance unless the house has some form of automatic heating system- purpose from ins. company's perspective is to protect against damage caused by lack of heating in cold weather. Turning the heat completely off removes that layer of protection.
If damage occurs as a result of having turned the heat off in the house, that's a failure of duty/breach that can be grounds for denying a claim for the damages.
That's not to say turning it off is a "bad idea"- but it's good to bear in mind that IF any damage results it likely isn't recoverable under a homeowner's policy.
