What to check before insuring a house or flat
A realistic valuation, the actual risks and an accurate inventory make the difference between a formal and a useful policy.
Shutting off utilities, checking the building and having someone trustworthy nearby reduce the risk while you are away.
Most damage to an empty property comes from water, damp or an unnoticed fault. Preparation before you leave and periodic checks address most of this risk.
Shut off the water supply, switch off unnecessary appliances, check the roof, gutters and openings, prepare the heating for the winter period, and arrange for someone to check on the property periodically.
Shut off the main water supply and switch off any appliances that do not need to stay running.
Inspect the roof, gutters, windows and doors, and fix minor faults before you leave.
If the property will be left without heating, drain any pipes that could freeze.
Arrange for a person or a service to check on the property periodically and report its condition with photographs.
Check the policy, obligations and contacts you would need if something happens while you are away.
This text is general practical guidance from the SuravenT platform and is not legal, medical or financial advice. Verify current conditions and regulations with the competent institution or your insurer.
Premium, recurring care for family and property in Bosnia and Herzegovina.
Explore SuravenT CareA realistic valuation, the actual risks and an accurate inventory make the difference between a formal and a useful policy.
A clear plan, a single point of contact and regular communication make help provided remotely reliable.