Peace of mind
through the quiet months
When the season ends and you return to the city, your Muskoka cottage doesn't stop needing attention. We visit, we document, and we keep you informed — so you can rest easy, wherever you are.
Why It Matters
A Muskoka winter
is unforgiving
Burst pipes. Ice damming. Wildlife entry. Storm damage. The off-season is when Muskoka properties are most vulnerable — and when most owners are furthest away. A problem discovered in May can mean months of damage that a visit in January would have prevented.
Beyond the practical, most Muskoka cottage insurance policies require documented property checks at regular intervals throughout the winter. Without them, a claim may be denied entirely.
Our check-in service was built to address both: genuine, attentive care for your property, and the documentation your insurer requires.
Every Visit
What We Inspect
Roof & exterior
Ice damming, storm damage, missing shingles, fascia and soffit condition
Windows & doors
Seals, locks, condensation between panes, signs of forced entry
Interior condition
Water intrusion, pipe condition, signs of pests or wildlife entry
Heating systems
Thermostat settings, propane or oil levels, furnace operation
Plumbing
Frozen or burst pipes, water shut-off confirmation, sump pump status
Dock & outbuildings
Structural integrity, ice damage, security of storage areas
The Process
How It Works
Choose your schedule
Select monthly, bi-weekly, or weekly visits based on your insurance requirements and peace-of-mind preference.
We visit & inspect
Our team conducts a thorough walk-through of your property — interior, exterior, mechanical systems, and grounds.
You receive a report
A written condition report with timestamped photographs arrives in your inbox within 24 hours of each visit.
Insurance-ready documentation
Reports are formatted for straightforward submission to your insurance provider if a claim ever arises.
Immediate alerts
If we find anything concerning, we contact you by phone and email right away — no waiting for the next report.
Season-long coverage
Service runs from your fall closing through your spring opening — or on any custom date range that suits you.
Visit Frequency
Choose Your Plan
All plans include written reports and photographic documentation. Pricing is provided upon quote request.
Monthly
1 visit / month
Ideal for properties with robust winterization and lower-risk insurance requirements.
- Monthly scheduled visit
- Written condition report
- Photographic documentation
- Email delivery within 24 hours
- Immediate alert on any concern
Bi-Weekly
2 visits / month
Our most popular plan — meets the requirements of most Muskoka cottage insurance policies.
- Bi-weekly scheduled visits
- Detailed written report each visit
- Timestamped photographic record
- Email delivery within 24 hours
- Immediate phone/email alert
- Insurance-compliant documentation
Weekly
4 visits / month
Maximum peace of mind for high-value properties or policies requiring weekly inspections.
- Weekly scheduled visits
- Full written report each visit
- Comprehensive photo log
- Email delivery within 24 hours
- Immediate phone/email alert
- Insurance-compliant documentation
- Priority response for concerns
Common Questions
Everything you
need to know
Still have questions? We're happy to talk through your specific property and insurance requirements.
Will this satisfy my insurance company's requirements?
Most Muskoka cottage insurance policies require documented property checks every 3–14 days during the off-season. Our bi-weekly and weekly plans are specifically designed to meet these requirements. We recommend confirming the exact interval with your insurer — we're happy to tailor our schedule to match.
What does the report look like?
Each report is a written summary of the property's condition, accompanied by dated photographs of key areas — exterior, entry points, interior spaces, mechanical systems, and any items of concern. Reports are delivered by email and formatted for easy submission to your insurance provider.
What happens if you find a problem?
We contact you immediately by phone and email with a description and photographs of the issue. For urgent situations — a burst pipe, storm damage, or signs of break-in — we will attempt to reach you and your designated emergency contact until we get through.
Do you handle any repairs or remediation?
Our role is to inspect, document, and alert. We do not perform repairs ourselves, but we have trusted relationships with local Muskoka contractors and can help coordinate emergency services if needed.
When does the service run?
Typically from Thanksgiving (October) through Victoria Day weekend (May), though we can begin and end on any date that suits your schedule. Many clients start the service the day after their fall closing clean.
Ready to protect your cottage?
We'll take care of it — all winter long.