A dwelling sits empty over the winter with the heat shut off and the water lines left full. A pipe freezes and bursts. Under the broad form the loss is:

Explanation

The freezing peril applies only where the insured used reasonable care to maintain heat in the building or shut off the water supply and drained the system. Letting an empty house go cold with water still standing in the lines takes the loss outside the peril, even though freezing is otherwise insured on the broad form. The age of the pipe is not what decides it.