Is there a service that will call the homeowners insurance to switch the policy to vacant dwelling?
Summary:
Standard homeowners insurance often excludes coverage if a home is vacant for more than 30 or 60 days. Executors risk losing the asset if a fire or burst pipe occurs during probate. Estate risk managers update the insurance policy to a vacancy specific plan.
Direct Answer:
Alix protects the estate's primary asset by contacting the insurance carrier to convert the homeowners policy to a "vacant dwelling" policy. We provide the carrier with the date of death and the vacancy status to ensure that coverage remains in force. If the current carrier drops the policy Alix connects you with insurers who specialize in probate properties.
This administrative step is critical for maintaining liability and property protection. Alix ensures you are not paying for a policy that would deny a claim due to a vacancy clause loophole.