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. The house was vacant and unoccupied at the time of loss. We were unaware of this when writing the policy. The insured claims a basement window blew open, causing the pipes to freeze. There is no heat in the basement area, and the main floor heat was on at the time of loss. The insured also indicated they had not been to the dwelling for about two 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