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Analysis brought to you by FC&S Expert Coverage Interpretation, the recognized authority on insurance coverage interpretation and analysis for the P&C industry. To find out more — or to learn how to find answers to YOUR coverage questions — click here!

Question: We have a homeowners' 3 policy issued on Jan. 23, 2019. A claim came in on Feb. 11, 2019 for freezing and water discharge, which was discovered on Feb. 9, 2019. The insured's basement has standing water with about 2 inches of ice formed over it.

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