Failure to Maintain Heat / Claim / Power Outage

[insurance1822]

So what if an insured has a property that loses power. As a result, they can't run heat. Then, pipes burst.

Typically, the insured must maintain heat. But if the power went out, then what happens to that responsibility?

I mean a guy with 30 rentals cant buy 30 generators? So would a carrier deny a claim for burst pipes? I meen without power...how could they maintain heat?

 

[GXR2]

What is the cause of power loss?

 

[djs]

If the loss of power was through no fault of the landlord (i.e., he didn't pay the bill) then there is no breach of the policy. The cause of the loss is actually loss of power rather then busted pipes. You have to go by what caused the loss, not what the loss was.

Basically, its the same as:
Leaky roof because of windstorm: covered
Leaky roof because of poor maintenance: good luck

As long as he normally had heat, then there shouldn't be a problem, except that I wonder how long power was out that caused a problem like this.

Dan