Following a frozen pipe and significant property damages, the homeowner’s insurance company denied the insured’s claim alleging a failure to maintain heat at the premises. Furthermore, the insurance company further alleged that the premises was not “occupied” at the time of the loss. Utilizing certain ambiguities in the insurance policy, relevant and novel case law, and the facts and circumstances surrounding the subject loss, Greenblatt & Agulnick prepared a settlement brief while contemporaneously filing suit. Upon receipt of the lawsuit and brief, the insurance company offered to settle the claim at 100% of the adjusted value of the loss. Case settled in excess of $115,000.00.