Under Habitational Insurance Policies, when is loss caused by "freezing" typically covered?

Loss caused by "freezing" is typically covered under habitational insurance policies when the insured has kept the heating maintained. This is because maintaining adequate heating is a preventative measure that helps protect the property from freezing temperatures, which can cause significant damage to plumbing and other systems within a home. Insurers look for evidence that the insured took reasonable steps to prevent such damage, and consistent heating is one of those steps.

Other scenarios, such as leaving the property unoccupied for an extended period or upgrading the heating system just before winter, do not guarantee coverage for losses due to freezing. Insurers often have specific guidelines regarding periods of unoccupancy and the conditions under which coverage applies. In this context, it is the active maintenance of heating that directly addresses the risk of freezing damage, making it the key factor for coverage under these policies.