Problem
A. Petra returns home from a three-week vacation to discover that the flooring and the walls in her basement were damaged by water when the rusted water heater burst due to frozen pipes. She reports the damage immediately upon her return. Coverage under her homeowners policy must be assessed.
B. Briefly explain which elements under her homeowners policy apply to the loss.
C. Briefly outline the other components of the policy that must be verified to confirm that the loss is covered.
D. List any conditions that may limit coverage due to the fact that the dwelling was unoccupied for three weeks when the damage occurred.