Money hacks Six steps when clearing out a loved one's home

When someone close to you dies, be it a relative or a friend, practical considerations may be far from your mind. But you could quickly find that you have the responsibility of looking after, then clearing out, their home.

- Shane Hickey

Make it safe

How their possessions, property and finances will be dealt with should be outlined in the will, if there is one. This should also name who the executor or executors of the estate are - the people legally responsible for carrying out the wishes of the deceased. They will take responsibility for the property.

Before the will is read it is important to ensure that it and other important paperwork such as property deeds, insurance documents and bank statements are kept safe if the person's house or flat is going to be empty.

As soon as you can, empty the fridge of perishable food. Cancel any regular deliveries such as milk and newspapers. Ensure the property is locked up and retrieve any spare keys from hiding places.

If there is no will, the most "entitled" person can apply to be the administrator. This will be the closest living relative, normally the spouse followed by any children over 18.

Tell the insurer If the property is going to be empty it is important to contact the insurer once the homeowner dies.

You may need to provide it with evidence that you are authorised to administer the property such as a death certificate or a lasting power of attorney document.

You may have to take extra steps to ensure it is secure, such as draining the water system, checking any burglar alarm is working and keeping the heating on during the winter.

Most standard home insurance policies don't fully cover properties left empty for more than 30 to 60 consecutive days. If that will be the case, an extension to the policy might be needed to prevent against fire, theft or flooding. The cost of this depends on the insurer.