If the house is already empty

Before you do anything else, call your insurer.

Most home insurance limits or voids coverage after about 30 days unoccupied. The free checklist covers that call — and eight more things worth doing in the first two weeks, in order, before they get expensive.

  • The insurer call before day 30 — and the exact words to use
  • Heat and water before the first freeze — cheap now, ruinous late
  • Mail, and the two documents to find — while people still remember where they are
  • What not to throw out — no matter how worthless it looks
Free Checklist
Send Me the Checklist
One page. Nine things, in order, for the first fourteen days. No calls unless you ask.
Free · One page · No sales call
Free
Always
9
Things, In Order
14
Days That Matter
0
Sales Calls
Why The First Two Weeks

The clock starts whether you're ready or not.

Nobody hands you a list. The house goes quiet, everyone drives home, and the clock starts on about nine things at once — most of which cost nothing to do now and a great deal to do late.

01

Call the insurer before day 30

Most policies limit or void coverage once a house is unoccupied for about a month. This is the one phone call that protects everything else — and the checklist gives you the words to use.

First
02

Heat and water before the freeze

A burst pipe in an empty Chatham-Kent house is a five-figure problem that a fifteen-minute job this week prevents.

Before cold
03

Mail, and the documents to find

A redirect matters more than it sounds, and there are two documents to find now while people still remember where they are.

This week
04

What not to throw out

Some things look worthless and aren't. The list tells you what to set aside before anyone starts clearing.

Before clearing

If you work through the list and decide to keep the house, that's a good outcome and I've cost you nothing. That's the deal.

Michael Nikolica · Chatham-Kent
Common Questions

Straight answers.

Do I have to talk to you to get it?+
No. It arrives by email and that's the end of it unless you reply. No call, and nobody phones you three days later.
Is the 30-day insurance thing real?+
Yes. Most standard home policies have a vacancy clause that limits or voids coverage after roughly 30 days unoccupied. Terms vary by insurer — which is exactly why the first item is to call yours and ask directly.
Will I get sold to?+
You'll get the checklist, and after that a short series of emails covering the same ground in more detail. One click stops all of it, permanently.
Is this actually about Chatham-Kent?+
Yes. The costs, the services and the timing are all local. A national template would be worse than nothing.

Take the checklist.

Free, one page, and you never have to speak to me to use it.