What Not To Do with a Vacant House

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Feb 18, 2023

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Mom and Dad are not currently living in their home.  Perhaps this is a temporary thing.  Perhaps it is a permanent thing and you just have not yet sold the house.

There are two things that you need to be very aware of - water and insurance.

A few years ago we purchase this home on Manchester in the northland of Kansas City.

The homeowner did two things very wrong, and we share his story to help educate people who have vacant homes.

First, he shut off the expensive utilities in the home - the electricity and the gas which provided heat.  He did not shut off the water, or at least shut-off water coming into the house.  It got very cold, and the pipes froze and left him with a potentially horrible mess, once the frozen pipes thawed out.  You see as water freezes, it expands.  That expansion cracks the pipes, toilets, and anything else that might hold water.  We have seen this happen with radiators in a home we owned that had a boiler system.  And we have heard of issues with sprinkler systems, pools, and even attached water hoses on the outside of the house.

Then when all that frozen water thaws out in the cracked container - it starts going everywhere.  And if the water is on coming into the house, not only the water that was frozen, but all the water behind it keeps coming.  We have heard stories of pipes freezing, cracking, thawing, and then water gushing out the doors for days until someone noticed and contacted the water department to get it shut off.

So tip number one - if you have a vacant home.  Keep the heat on and set it at 50 degrees.  But just in case, shut the water off at the main and drain all the water from the lines and fill them with antifreeze.  This is called winterizing a home and paying someone whatever it costs to winterize the home could save you tens of $1,000s in repairs later.

Second, this homeowner had owned the home as a rental, so he had rental insurance.  What happened to him would happen to someone with a standard homeowner policy as well.  He had held the home vacant for more than 30 days, almost a year actually.  So when the water damage happened, he turned to his insurance company, as anyone would.  They told him sorry, but read the vacant clause in your policy.  If the home is vacant for 30 days or more, they don't have to pay you a dime.  

So tip number two - if you have a home that is going to sit vacant for 15 days or more.  While you are on vacation, in the hospital, in rehab, or in a new home .  .  . check with your insurance company to find out what you need to do to have coverage while the home is vacant.  There is a special type of policy for vacant homes, so you can get some coverage, just not the same as your home owner policy.  And it will cost quite a bit more. The other option might be to have someone move in and care for the home, but the problem that might arise there is that they may not want to leave when you need them too.  We have seen families who have moved in a grandchild to care for a home.  They are living free and clear, and when they are ready to sell the home, the grandchild does not want to leave.

We hope this story will help at least one person with a vacant home.  

You can read our article about the Manchester house . . . and see how we were able to help the owner of the home.

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Although it is associated with Crowne Health Care and located behind Englewood Health Care Center, its independent living apartments do not automatically include nursing or assisted living services. Enjoy Retirement With Fewer Household ResponsibilitiesRetirement living should reflect the individual's priorities, abilities, and personal preferences.For some older adults, maintaining a traditional home remains the right choice.For others, moving into an apartment community can reduce maintenance responsibilities while preserving independence.Independent living offers an opportunity to simplify expenses, enjoy personal privacy, and connect with neighbors without giving up control over everyday routines.For individuals in Monroe County, Cedar Chase Retirement Apartments provides an independent living option in Monroeville.Its private apartments, equipped kitchens, included utilities, weekly housekeeping, maintenance services, and optional activities create an environment designed around comfortable, manageable living.Residents can maintain their own schedules while enjoying opportunities for fellowship and community participation.Families and prospective residents interested in Cedar Chase can contact the administrator to learn about apartment availability, current costs, and residency arrangements. Featured Seniors Blue Book ListingCedar Chase Retirement ApartmentsRecommended Main SBB Category: Independent LivingOrganization: Crowne Health CareAddress: 2050 South Alabama Avenue, Monroeville, AL 36460County: Monroe County, AlabamaPhone: 251-743-9797Fax: 251-743-9736Administrator: Lisa MixonAdministrator Email: [email protected]: https://crownehealthcare.com/living-and-care/independent-living/cedar-chase-independent-living/Community Type: Independent Living ApartmentsApartment Count: 18Features: Private apartments, equipped kitchens, individual washers and dryers, heating and cooling, utilities included except telephone and cable television, maintenance, lawn care, weekly housekeeping, and nearby parking.Available Amenities: Meals, barber and beauty shop, optional activities, fellowship programs, and nighttime-secured doors.Location Benefits: Near grocery stores, pharmacies, Monroe County Hospital, doctors' offices, and banks.Community Activities: Bingo, Bible study, exercise, fellowship, and religious services.Eligibility Note: Cedar Chase serves mature adults and is not exclusively restricted to senior citizens.Pricing: Contact Cedar Chase for current monthly rental rates, availability, and any additional service fees.Important Care Distinction: Cedar Chase is an independent living apartment community, not a skilled nursing facility.Seniors Blue Book Business Profile: https://l2.seniorsbluebook.com/listings/cedar-chase-retirement-apartments-monroeville-al Find Cedar Chase Retirement Apartments on Seniors Blue BookLooking for independent living in Monroeville, Alabama?Explore Cedar Chase Retirement Apartments through its dedicated Seniors Blue Book listing.Learn about the community's private apartments, included utilities, maintenance services, housekeeping, and recreational opportunities.Contact Cedar Chase to discuss apartment availability, monthly rental costs, and scheduling a personal tour. 

Independent Living in Monroeville, AL

A home can become more work than someone wants to manage, even when they remain comfortable making decisions and handling their own daily care. For an older adult living alone, the question may be how to simplify routines while keeping privacy and access to other people.Independent living in Monroeville, AL can offer an apartment-based alternative to maintaining a larger home. Cedar Chase Retirement Apartments, also described by its operator as Cedar Chase Independent Living, is a local option to explore when comparing housing, services, and monthly expenses.What Independent Living MeansHousing with a focus on autonomyIndependent living generally suits people who can manage their daily lives and want a housing setting with convenient services or community connections. It should not be assumed to include personal care or ongoing nursing simply because other healthcare facilities are nearby.Before considering a move, separate housing preferences from care needs. A person may want less housekeeping but still need to arrange help with medication, bathing, or other tasks. Ask exactly what the community provides and what would need to be arranged separately.Compare the whole monthly routineLook beyond the rent. Consider utilities, meals, housekeeping, transportation, and personal services. The value of a move depends on which responsibilities it actually simplifies and whether the setting fits the resident's needs. Cedar Chase Retirement ApartmentsPhone: 251-743-9797Location: 2050 South Alabama Avenue, Monroeville, AL 36460Cedar Chase advertises individually heated and cooled apartments, weekly housekeeping, planned activities, meals available, and parking near the apartment door. The page states that utilities other than telephone and cable television are included in rent, with a group cable rate available. Verify the current lease and charges. The community also lists a barber or beauty shop and doors secured at night. These features warrant specific questions about access, scheduling, costs, and how residents contact someone when assistance is needed. Location near local servicesThe provider describes Cedar Chase as behind Englewood Health Care Center and near Monroe County Hospital, doctors' offices, grocery stores, pharmacies, and banks. Nearby services may be convenient, but they do not establish that transportation or healthcare is included in the apartment agreement. Questions that help assess fitAsk whether meals are optional or part of a package, what housekeeping covers, and who handles maintenance requests. Discuss guest policies, parking, accessibility, and emergency contact arrangements before signing.If you anticipate needing outside support, ask whether privately arranged services are permitted and what coordination is required. Do not assume a resident can automatically transfer to another Crowne setting if care needs change. Why This Matters LocallyFor someone already living in Monroeville, a local apartment option may make it easier to continue using familiar stores, healthcare offices, and community connections. Consider how the location fits an ordinary week rather than just the moving day.Visit with the person who plans to live there. Walk through the apartment, test the route from parking to the door, and ask about shared activities. Privacy and social opportunities matter differently to each resident. How to Get StartedDecide what you want to simplifyList the responsibilities you would like to reduce, such as housekeeping, utility management, or meal preparation. Separately list any personal care needs that may require another service.Ask for current termsCall 251-743-9797 to request a tour, rental information, and availability. Ask for written details about deposits, included services, optional charges, and notice requirements.Build a realistic budgetCompare your current housing costs with the proposed rent and services. Include telephone, cable, food, transportation, outside help, and other expenses that remain your responsibility.Review future needsAsk what happens if you need additional assistance later. Discuss outside service arrangements and the circumstances that could affect continued tenancy.Practical tip: Bring measurements of your favorite furniture and a list of items you use daily. An apartment that accommodates your routines is more useful than one that merely looks attractive on a tour. Related CategoriesAssisted Living Homemaking and Housekeeping Transportation