Had enough WINTER yet?
It is just too cold and snowy to blog much today as we get ready for another snow event. I have to get more ice melt and get the shovels ready.
But all this cold weather this weekend reminded me that I should remind all of an important cold winter fact.
It is extremely important during the cold winter weather to keep your heat maintained in your entire building!
Most property (home/business) insurance policies DO have a “maintain heat” provision.
In general terms this means that you must have maintained heat in your building.
The questions about heat typically only comes up when we have a broken pipe and water damage.
So if you are a lucky homeowner with multiple ZONES for your house, please keep all zones on. We recommend a minimum temperature of sixty degrees.
And if you are a multi family building owner check to make certain that all of your units are maintaining an appropriate heat temperature. If one tenant fails to maintain the heat this could impact the insurance for the building.
The same is true for commercial buildings that you insure. The heat must be maintained in the “building” even though you may not occupy the entire building. Check in with your tenants if they are heating their own spaces.
Since all property (home and business) policies may be different, it is best to check in with your agent on what your policy says about this maintaining of heat!
The good news is, we can predict that it will be warm again. Until then stay warm and keep the heat on!