During renovation, probate, or other scenarios, vacant properties pose unique challenges for owners and insurers. Without regular occupancy, these buildings are more susceptible to risks such as vandalism, arson, and unnoticed maintenance issues. Consequently, insurance providers often impose stringent requirements to mitigate potential losses. Understanding these requirements and implementing effective security measures is crucial for property owners seeking comprehensive coverage without incurring prohibitive costs.
NOTE: The information provided in this article is for general informational purposes only and does not constitute legal or insurance advice. While DAWGS specializes in securing and maintaining vacant properties in compliance with local regulations and insurance requirements, we do not offer legal counsel or interpret insurance policies. Property owners and managers should consult with qualified legal, insurance, or regulatory professionals to ensure full compliance with applicable laws and coverage terms.
The Elevated Risks of Vacant Properties
When a property is unoccupied, it lacks the daily oversight that helps prevent and promptly address issues. This absence increases the likelihood of:
- Vandalism and Arson: Empty buildings can attract unwanted attention, leading to intentional damage or fires. According to the U.S. Fire Administration, an estimated 23,800 vacant residential building fires occurred annually between 2013 and 2015, resulting in approximately 75 deaths, 200 injuries, and $785 million in property loss each year (1).
- Theft: Valuable fixtures, copper wiring, and appliances become easy targets.
- Undetected Maintenance Issues: Problems like water leaks or electrical faults can go unnoticed, resulting in significant damage.
These heightened risks make vacant properties a liability for insurers, prompting them to enforce specific security protocols as a condition for coverage.
Insurance Providers’ Security Requirements
To offset the increased risks associated with vacant properties, insurers commonly require:
- Boarded Windows and Doors: Securing entry points deters unauthorized access and protects against environmental damage. Ground and accessible upper floor windows should be externally boarded up (2) – we recommend steel door and window guard systems.
- Regular Inspections: Periodic checks help identify and address issues promptly, reducing potential claims.
- Alarm Systems: Installing security systems can deter intruders and provide real-time alerts to property owners or authorities.
- Maintenance of Utilities: Ensuring that heating systems are operational during colder months prevents issues like frozen pipes.
Failure to meet these requirements can result in denied claims or even cancellation of the insurance policy.
Cost-Effective Strategies for Compliance
While implementing these security measures might seem financially daunting, there are cost-effective solutions available:
- Use of Steel Security Panels: Instead of traditional plywood, steel panels offer enhanced protection and are often reusable, providing long-term savings.
- Remote Monitoring Systems: Modern technology allows for affordable surveillance options that can be monitored via smartphones, reducing the need for on-site security personnel.
- Scheduled Maintenance Services: Hiring services for periodic inspections and basic maintenance can prevent minor issues from escalating, saving money in the long run.
Investing in these measures not only aligns with insurance requirements but also preserves the property’s value and integrity.
The Role of Professional Security Services
Engaging professional security services can provide comprehensive solutions tailored to vacant properties:
- Customized Security Plans: Professionals assess the specific needs of a property, ensuring all vulnerabilities are addressed.
- Compliance Assurance: With expertise in insurance requirements, these services ensure that all stipulated conditions are met, facilitating smoother claim processes.
- Peace of Mind: Knowing that experts are safeguarding the property allows owners to focus on other responsibilities without constant worry.
While there is an associated cost, the benefits and potential savings from prevented damages and compliant insurance coverage often outweigh the expenses.
Why DAWGS (Door and Window Guard Systems) Is the Preferred Partner for Protecting and Securing Vacant Properties
When insurance requirements demand more than flimsy plywood board-up, DAWGS delivers. Our patented steel door and window guards are trusted by insurers, property managers, and municipalities across the country—from Detroit and Chicago to Los Angeles and Washington, D.C. DAWGS’ solutions are tamper-resistant, weatherproof, and compliant with local vacant property ordinances.
Backed by 24/7 protection, easy installation, and no need for repeated maintenance, DAWGS helps you meet insurance mandates, reduce liability, and preserve property value—even in the highest-risk areas.
Why Insurers—and Property Owners—Prefer DAWGS Over Plywood
- Built for Security: DAWGS’ steel door and window guards are made from high-grade steel and engineered to resist prying, tampering, and forced entry—unlike traditional plywood board-ups.
- Fire-Safe Materials: Unlike flammable plywood, our steel barriers do not contribute to fire hazards—an essential advantage in wildfire-prone states like California.
- Weather-Resistant and Durable: Designed to withstand harsh weather conditions, DAWGS’ steel solutions offer long-term protection without warping, rotting, or deteriorating over time.
- Visually Neutral: With powder-coated finishes in neutral tones, our barriers blend into the property’s exterior and help preserve neighborhood aesthetics—something insurers and communities both value.
- Quick, Professional Installation: DAWGS can secure a property in 48 hours or less, helping you meet urgent insurance deadlines and reduce exposure to risk.
- Ordinance-Ready: Our systems are code-compliant in major cities across the U.S., helping property owners avoid fines and satisfy both insurance and municipal requirements.
Still thinking about it? Read our article about the top reasons why steel is better than plywood.
Protect your investment. Partner with DAWGS!
Secure your vacant property the smart way—with DAWGS. Contact us today to learn how our steel door and window guard security systems can help you stay covered, stay compliant, and stay ahead.
Don’t Risk Your Vacant Property Investments
Safeguarding a vacant property is not only a smart financial decision but also a crucial step in ensuring compliance with insurance requirements. By addressing the unique risks associated with unoccupied buildings through effective security measures, property owners can protect their investments and minimize potential losses. Partnering with reputable vacant property security solutions like DAWGS can enhance protection and provide peace of mind, allowing owners to focus on other important responsibilities. Ultimately, taking proactive steps to secure a vacant property leads to a safer environment, compliance with insurance mandates, and the preservation of the property’s value. Don’t leave your investment at risk—secure it the right way and ensure you are always covered.
Sources:
- U.S. Fire Administration. “Vacant Residential Building Fires (2013-2015).” Topical Fire Report Series, Volume 18, Issue 9, January 2018.
- Arch Capital Group. “Securing Unoccupied Property (Written for Property Owners).” Arch Insurance, August 23, 2023.
