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House Insurance Conditions
GrahamF
Posts: 2 Newbie
Any Building Surveyors around?
Conflicting thoughts, who's correct?
Situation is a bungalow left unoccupied for several months in winter. Standard brick construction with insulated cavities, double glazing etc and about 12" loft insulation with all mains water and central heating pipes between ceiling and insulation, no roof tanks. Roof space bone dry with ventilated soffits and ridge.
Mains water turned off at stopcock. The heating is left programmed to come on at full for 1 hr at 6am (coldest time of day) and 1/2 hr at 6 pm and at any other time the hall mounted thermostat drops to 10 degrees. Obviously, the heating is left on to keep the fabric in good condition with the dew point driven out.
Fact - warm air will hold more moisture than cold air and will condense when it meets a cold surface. So, why this insurance condition, which seems to fly in the face of common practice?
Access hatches or other entrances to attics and lofts must be left open if the heating is left in operation
Insurers say it's to stop damage from condensation in the roof space which doesn't make sense to me but, would appreciate thoughts from those better qualified.
Conflicting thoughts, who's correct?
Situation is a bungalow left unoccupied for several months in winter. Standard brick construction with insulated cavities, double glazing etc and about 12" loft insulation with all mains water and central heating pipes between ceiling and insulation, no roof tanks. Roof space bone dry with ventilated soffits and ridge.
Mains water turned off at stopcock. The heating is left programmed to come on at full for 1 hr at 6am (coldest time of day) and 1/2 hr at 6 pm and at any other time the hall mounted thermostat drops to 10 degrees. Obviously, the heating is left on to keep the fabric in good condition with the dew point driven out.
Fact - warm air will hold more moisture than cold air and will condense when it meets a cold surface. So, why this insurance condition, which seems to fly in the face of common practice?
Access hatches or other entrances to attics and lofts must be left open if the heating is left in operation
Insurers say it's to stop damage from condensation in the roof space which doesn't make sense to me but, would appreciate thoughts from those better qualified.
0
Comments
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It's to stop the pipes freezing which is a very common claim in winter for unoccupied houses.
Such claims are incredibly expensive as when they pipes burst the leak goes on for a long period as there is no one there to notice it0 -
No, they say its to stop condensation in the roof. Mains water pipes are drained down and water turned off. Heating pipes are between insulation and ceiling so well insulated and heating left on.0
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No, they say its to stop condensation in the roof. Mains water pipes are drained down and water turned off. Heating pipes are between insulation and ceiling so well insulated and heating left on.
They are likely to be miss informing you.
An Insurer would not generally care about condensation in the roof in an unoccupied property as they do not provide cover for damage done by condensation on an unoccupied property0
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