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Long weekend is here: Insurance tips for cottage owners

What happens if you pull up to your seasonal cottage and there's damage from that nasty, windy winter we had?

If you're heading up to your cottage this weekend for the first time this season, you will likely have to do some cleaning before you can relax in the sun.

What happens if you pull up to your seasonal cottage and there's damage from that nasty, windy winter we had?

Anne Marie Thomas with InsuranceHotline.com says the first thing you should do when you arrive is take a walk around the property.

"Look for any sorts of tree damage, roof damage," she says.

If you find something, Thomas says you should report it to your insurance company right away and then take photos and video.

She points out that cottage insurance plans are quite different from those you get for your home in the city.

"It's almost a la cart with some insurance companies," she says.

While most cottages are covered for fire, theft and other named perils, she says you might not be covered for wind damage unless you added that to your plan.

Thomas says you should go over your coverage carefully and upgrade if you need to.

She adds that if you have done any recent renovations to your cottage, like adding a bathroom or upgrading the kitchen, your insurance company needs to know or they could deny a future claim.

"Because the insurance company might think it's a little cabin or a shack, but it turns out to be actually a whole second home."

And she says something else your seasonal cottage will not be covered for is damage by vermin. Hopefully you secured it from animals before you left last fall.

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  1. john posted on 05/16/2014 11:00 AM
    this form a industry full of scam artist who love to steal money form its clients and give lame ass excuses to steal more money . not thx i will use this weird unheard thing lots of people don't have or don't use or are afraid of called commonsense . it is something god gives u when u are put in this earth people sadly people dont use it .
  2. Greg posted on 05/16/2014 02:38 PM
    Great advice. Although I don't think it applies to my summer home - the Coleman tent in the backyard.
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