(Stacker) - A nightmare scenario for any homeowner during the bitter chill of winter isn’t a power outage; it’s coming home to a flood. That sudden, devastating rush of water from a burst pipe, frozen solid by the deep cold, can cause tens of thousands of dollars in damage, instantly soaking walls, flooring, and all your treasured possessions. Naturally, your first thought may be, “Thank goodness for homeowners insurance !”

But here’s a cold truth that catches many off guard: Just because your pipes burst doesn’t mean your insurer will automatically pay up. In fact, a significant number of frozen pipe claims are denied every year, often because the insurance company alleges negligence on the part of the homeowner.

It all comes down to a crucial distinction in your policy, a distinction

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