Keep Your Home Insurance Safe for Your Summer Holiday

Before long, many of us will be locking up our homes and leaving them for a week or a fortnight to enjoy a well-earned summer holiday. The last thing we want is to come back to is a burgled home.

Burglar in HouseYou don’t want to be burgled at all, but however many precautions you take, there’s no cast-iron assurance that the burglars won’t find a way in. You can make an insurance claim, of course — but the worst outcome of all would be for the insurer’s Loss Adjuster to turn you down for not being careful enough.

You can take the common-sense precautions, like securely locking all doors and windows and having a good alarm installed and set. There are things, though, that can alert burglars that the house is empty — post or newspapers piling up, for instance. Remember to cancel what you don’t need, but ideally it would be best to arrange for a friend, relative or neighbour to visit a few times while you’re away.

The Dangers of Social Media

There’s a new danger these days, however. We all like to let everyone know what a great holiday we’re having by posting our photos on Facebook or other social media. The problem is that burglars look at Facebook too, and often use it to find out which properties are going to be empty. You may as well make a public announcement that your home is available to burgle.

If this happens, you may find when you make your insurance claim that the Loss Adjuster refuses you on the grounds of the Reasonable Care clause in your insurance policy. Your social media posts are a matter of record, and the insurance company may well check to see if you’ve been unreasonably careless.

So don’t help the burglars, and don’t give the insurer a reason to reject your claim. Keep the Facebook posts till you’re safely home. Feel free to get in touch with us for more information.

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