I can see 13 degrees not doing much harm in places arctic perhaps, but it is something to be aware of.
I can see 13 degrees not doing much harm in places arctic perhaps, but it is something to be aware of.
Can you provide a source ? This would mean that all unoccupied houses would be damaged, since they are just heated to avoid freezing (10 ?).
Warm air can hold more moisture than cold air. Humans and their activities give off moisture. In winter humans maintain warmer than ambient temperatures. Therefore at some point the warm wet air is going to cool and reach its dew point.
Ideally you don't want this happening in the house, whether it does depends on the inside temp and the outside temp and humidity inside and out.
So there's a few knobs you can twiddle, temp being one.
They say 18 degrees, to avoid issue with moisture. It very much depends on how the home is built I'd assume, because holiday homes are normally kept colder, down to 5 degrees, during the winter.
The thermostat is now back up to 19.5°C.
But drywall (and other porous surfaces) are supposed to help regulate moisture, so if they never get an opportunity to dry because it's permanently cold and humid, yeah, that'll be a problem. Cracking a window at least 30 minutes per day (ideally on dry days) does wonders, though it won't help temperatures in winter.
In practice... say, there is a dog that likes to gnaw on corners and thus punctures the vapor barrier. Happened to my own house's outside insulation. That's just one of many "unforeseen" ways how these foils and barriers stop working. I fully expect the polystyrene there to get moldy in 20 years or even less.
Presumably your fridge and freezer is breaking that rule.
Edit: it's a genuine question. Is that the minimum temp anywhere in the house or the average? What about an attached garage?
The insurance company does not want stupid actions by the owner causing property losses. If you have utilities shut off to the property for a month in freezing winter weather and all of the pipes freeze, they’ll be able to determine that you did not maintain 16 degrees.
Which suggests this is more about mold etc. If they don't want to cover frozen pipes then fair enough, they should really state that because then it becomes unclear what the situation is in the case of a garage or if you have a pipe in the attic or cellar.
Now this also doesn't mean that frozen pipes aren't covered. It is possible to have pipes freeze while keeping normal indoor air temps. Not all pipes are in conditioned space.
No of course they won't. That would be giving up good money. Instead when you make a claim they'll reject it on some basis around the property not being kept at 16c.
You must be fun at parties.
touche
I might be in for a surprise, but I don't think there has been a year where the temperature has been above 19 degrees for six months of the year. I'm curious if you have a source on that?
That doesn't seem strange to me. At even lower temperatures, water pipes will burst, so you have to heat it at least a little in winter. Waste heat from humans might be enough to avoid freezing temperatures, but then humans also produce a lot of humidity, causing mold.