Do I Need to Check My Vacant Property Every 72 Hours in Ontario?

Insurance compliance requirements every property owner must understand.

No — the 72-hour inspection guideline is not a universal rule for all vacant properties in Ontario. It typically applies to standard home insurance policies during temporary absences (such as travel). For truly vacant properties, requirements depend on whether your insurer has reclassified the property and whether you have a vacant property policy, which comes with its own conditions.

Why 72-Hour Inspections Matter

Insurance companies include vacancy clauses to reduce risk. A vacant property can deteriorate quickly without regular oversight.

Key risks include:

• Frozen or burst pipes

• Undetected water leaks

• Break-ins or vandalism

• Electrical or heating failures

If no one is checking the property, small issues turn into large claims—and insurers will often refuse coverage.

What Counts as a Proper Inspection

A valid inspection is not just “driving by.” It must include:

• Interior walkthrough

• Checking thermostat and heat levels (~16°C recommended)

• Running taps and flushing toilets

• Inspecting for leaks, mold, or unusual odors

• Confirming doors and windows are secure

Documentation (photos and reports) is critical—this is what protects you if a claim is filed.

Real-World Insight

We’ve seen claims denied simply because the owner could not prove consistent inspections. No logs, no photos—no payout. It’s that simple.

Bottom Line

If your property is vacant, assume you are responsible for proving it is being maintained every 72 hours.

TAKE Action

Protect your property before it becomes a claim issue. Visit 12GatesPS.com to book your free 15-minute consultation.