Homeowners Policy (HO)Pregunta 313 de 474
A homeowner leaves for the winter, shuts the heat off, and the pipes burst. The freezing loss is covered only if the insured:
a.carries a higher limit on the dwelling
b.shut the water off and drained the system
c.had the pipes inspected before leaving home
d.told the insurer about the trip in advance
Explicación
Freezing of plumbing, heating or sprinkler systems is excluded while the dwelling is vacant, unoccupied or under construction unless the insured used reasonable care either to maintain heat in the building or to shut off the water supply and drain the system. With the heat deliberately off, draining is the only route left, so notifying the insurer or buying a larger limit changes nothing.
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