Why a Regular Home Check Can Save Your Insurance Claim – And Protect Your Home

Many homeowners assume their building insurance will simply pay out in case of damage. But this assumption can be a dangerous mistake.

Imagine you’re away on holiday for three weeks. A pipe bursts, water seeps unnoticed into the walls. You only discover the damage when you return – and your insurance rejects the claim. Reason: “No regular checks during your absence.”

In many insurance policies, it’s stipulated that occupied property must be inspected at certain intervals. Without proper supervision, the insurer may reduce or even deny coverage.

The Fine Print That’s Often Overlooked

Most policies require that if you’re away for more than 14–30 days, someone must check on the house regularly. An overflowing mailbox or an open window can not only attract burglars but also be used as evidence of neglect.

A professional home check fulfills exactly these requirements. I document my visits, check doors, windows, heating systems, and ensure your home doesn’t suffer unnoticed damage. That way, you have the necessary chain of evidence in case of a claim – and peace of mind in everyday life.

What Happens When No One Is Watching?

• Water damage: Small leaks turn into expensive repairs.
• Burglary risk: Overflowing mailboxes and dark houses signal absence.
• Technical failures: A heating failure in winter can cause frozen pipes.
• Insurance disputes: Without proof of care, insurers often pay only partially – or not at all.

My Service: Clear Arrangements, Discreet Checks

I’m Aebe, your personal local contact. I don’t come as a large company with anonymous employees, but as a reliable service provider you can trust with your property.

Depending on your needs, I offer:

• Key Holding Basic – secure key storage for emergencies (from €12/month)
• Home Check Basic – one visual check per month including update (€29/month)
• Home Check Standard – two checks per month, including mailbox and parcel check (€49/month)
• Home Check Plus – four checks per month for maximum security (€79/month)

All visits are scheduled with you, and I keep you informed with short status messages. You’ll always know everything is fine.

This article is for informational purposes only and does not replace legal or insurance advice. When in doubt, check your policy terms or consult your insurance provider.