Keep the water pipes from freezing.The facts that supported summary judgment in this case were:the Binghamton, NY home was unoccupied for three months during the wintertime;the home's water supply had not been shut off;the plumbing system had not been drained; the insured had made no arrangements to have the home inspected while she was gone; andan expert opined that the home's natural gas consumption was insufficient to maintain a level of heat adequate to… [read post]

Without heat or hot water, the house was uninhabitable. [read post]