Does my insurance cover damages to my cottage caused by a broken water pipe following a cold snap?
If the cottage isn’t heated, then you aren’t covered. And even if it is, it must be visited on a daily basis if left unoccupied for more than four days or the water must be shut off for the insurance coverage to apply. In fact, this stipulation also applies to the principal residence – if, for example, the occupants fly the coop and head to the Dominican Republic for some sun, sand and surf!
