We have a Homeowners 3 policy issued on January 23, 2019. A claim came in on February 11, 2019 for freezing and water discharge discovered on February 9, 2019. Basement has standing water with about 2″ of ice formed over it. The house was vacant and unoccupied at the time of loss. We were unaware of this when writing the policy. Insured claims a basement window blew open causing the freezing pipes. There is no heat in the basement area and the main floor heat was on at the time of loss. Insured also indicated they had not been to the dwelling for about 2 weeks prior to discovering the flooded basement. There is extensive damage to the drywall etc. My question is: Do you feel this is a covered loss.

Kentucky Subscriber

You have a number of things going on here. First, I'm looking at the ISO HO 00 03 05 11; your policy may have different language. Your policy begins January 23, so you're limited to that time frame. If the insured lied on the application and the property had been vacant before the start of the policy then you have may misrepresentation and reason to deny the claim and cancel the policy.