When January settles over Allen County, a good number of Fort Wayne condo owners trade snow shovels for sunshine in Florida or Arizona. Being away for weeks raises insurance questions, because a frozen pipe in an empty unit can affect your neighbors, your association, and your own policy all at once.<\/p>\n
Insurers often treat these words differently. A condo that is fully furnished while you travel is usually considered unoccupied. A unit with no furniture or belongings, such as one waiting to be sold, may be considered vacant. Some policies limit coverage for certain losses, like vandalism, after a unit has been vacant for a set number of days.<\/p>\n
Many condo unit owner policies cover sudden water damage from a burst pipe, but they often include a condition for freezing while the unit is unoccupied. Coverage may depend on whether you used reasonable care to keep the heat on, or shut off the water and drained the plumbing. Your association’s declaration and rules may add their own requirements, such as a minimum thermostat setting or an emergency contact with a key.<\/p>\n
When water travels into neighboring units or common areas, the association’s master policy and its deductible come into play. Depending on your declaration, part of that deductible could be assessed back to the owner whose unit started the leak. Our post on loss assessment coverage<\/a> explains how that piece of a policy can help.<\/p>\n Tom Steckler Agency, Inc in Fort Wayne, IN can walk through how your condo insurance<\/a> treats time away. Wording varies by carrier. Condo owners throughout Fort Wayne, IN can reach out to Tom Steckler Agency, Inc<\/a> anytime.<\/p>\n","protected":false},"excerpt":{"rendered":" When January settles over Allen County, a good number of Fort Wayne condo owners trade snow shovels for sunshine in Florida or Arizona. Being away for weeks raises insurance questions, because a frozen pipe in an empty unit can affect your neighbors, your association, and your own policy all at once. “Unoccupied” and “Vacant” Aren’t […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[18,13,15],"class_list":["post-95","post","type-post","status-publish","format-standard","hentry","category-condo-insurance","tag-condo-insurance","tag-fort-wayne","tag-tom-steckler-agency"],"_links":{"self":[{"href":"https:\/\/www.tomstecklerinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/95","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.tomstecklerinsurance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.tomstecklerinsurance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.tomstecklerinsurance.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.tomstecklerinsurance.com\/blog\/wp-json\/wp\/v2\/comments?post=95"}],"version-history":[{"count":1,"href":"https:\/\/www.tomstecklerinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/95\/revisions"}],"predecessor-version":[{"id":96,"href":"https:\/\/www.tomstecklerinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/95\/revisions\/96"}],"wp:attachment":[{"href":"https:\/\/www.tomstecklerinsurance.com\/blog\/wp-json\/wp\/v2\/media?parent=95"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.tomstecklerinsurance.com\/blog\/wp-json\/wp\/v2\/categories?post=95"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.tomstecklerinsurance.com\/blog\/wp-json\/wp\/v2\/tags?post=95"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}Before You Lock the Door<\/h2>\n
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