The department has stated that it expects carriers to take into consideration the severity and unprecedented nature of the February 11-19 winter event when working with insureds.
While most policies have provisions that require insured’s to take reasonable care to maintain heat or shut off the water in order to avoid frozen pipes, all losses must be based on the circumstances of the claim. The department encourages carriers to consider multiple factors that affected insureds and their ability to protect their property, including the following:
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