Hey BP, Long time reader first time poster! (Wish it were a more positive topic) My parents own a rental property in Freezego, I mean Fargo. Today they were notified by the property manager that a pipe has Frozen and burst in the upper level kitchenette. Obviously leaking down to the main level, ruining floors and possibly much more on it's way. The house was vacant since they were recently trying to sell so no telling how long it was flooding before the manager showed up. My parents are heading up tomorrow to inspect. They haven't detailed through their insurance policy yet but were informed by an insurance agent friend of the family that insurance policies sometimes have clauses for vacant rentals....? My initial thought would be this would be caused by the renters having rental insurance covering their belongings and any damage they've caused to the property but this is clearly not that situation, so I think they'd be covered but wanted to see if anyone had dealt with this before or had experience with these clauses.