Montana winter damage - understanding your cold weather coverage

After dealing with frozen pipe claims for years I finally sat down with my agent to understand what my Montana policy actually covers. Sharing what I learned.

Most policies cover sudden burst pipes but NOT gradual freezing damage. The key is proving the freeze was sudden and that you maintained reasonable heat. I now keep my thermostat log and take a photo of it set to 60+ whenever I leave for more than a day. Also, weight of ice/snow coverage varies by policy - make sure yours includes it.