When leaving a home unoccupied for an extended period, you must take proactive risk-mitigation steps to satisfy insurance requirements. Key actions include shutting off the main water supply and draining pipes to prevent freezing, setting heating thermostats to a safe baseline level, arranging for a trusted friend or neighbor to conduct thorough internal and external inspections every 48 to 72 hours, stopping mail delivery, setting interior lights on automatic timers, securing all entry doors and windows, and notifying your insurance broker of your travel dates.
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