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Pemberton — Freeze burst, vacant property
PropertyClaims — Property · 4vacancy exclusion
Status
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Assignees
OBOwen BaptisteDWDana Whitaker
Vacancy count runs from 6 January — confirm the move-out record before taking a position.
Documents
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0/2Review Matrix
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1Claim file2 tasks open on this claim · every section cites its source
Harold Pemberton reported this loss on 24 Feb 2026, following a loss date of 19 Feb 2026. Pipe burst during the February freeze at a property the insured says was between tenants. Utility records suggest the heat was off for at least 40 days, which puts the vacancy provision in play. Policy HO-8771203 under Property — Homeowners, handled in Oklahoma County, OK. Current status is coverage review; the reserve stands at $41,000.
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No coverage issue stated yetlow confidence
Position: Under review
Turns on —.
Resolves itA coverage position is written once the inspection and statement are in.
Drawn from
Complete the inspection and the recorded statement, then take a coverage position.
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Scoped to Pemberton — Freeze burst, vacant property — every document, chat, note and task on it.
Does the seepage exclusion apply to this loss?
No repeated seepage question sits on Pemberton — Freeze burst, vacant property. The exclusion at § I.B.13 is only in play where the file shows moisture over weeks or months, and nothing in this claim's documents does.
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