Under what condition would damage from frozen pipes be covered in a homeowners policy?

In a homeowners policy, damage from frozen pipes is typically covered if there is proof of reasonable maintenance. This clause underscores the necessity for homeowners to take appropriate measures to prevent their plumbing from freezing during colder temperatures. Insurers expect homeowners to maintain their properties diligently, which includes insulating pipes, keeping the home adequately heated, and taking preventive steps to mitigate freezing risks.

Proof of reasonable maintenance can include records of plumbing inspections, evidence of insulation work, or documentation showing that the property was adequately heated during winter months. When a homeowner can demonstrate that they took these actions, it strengthens their claim and validates that they acted responsibly to avoid losses.

Other conditions mentioned in the options, such as the house being unoccupied or the water being turned off, do not inherently guarantee coverage. Simply being unoccupied or turning off the water may not align with the expectations of maintenance that insurers require for coverage in the event of such damage. Coverage typically hinges more on the homeowner's proactive efforts rather than situational conditions.