What must a named insured do to ensure frozen pipes are covered under DP-2 and DP-3?

To ensure that frozen pipes are covered under the DP-2 and DP-3 policies, the named insured must maintain heat in the premises or shut off the water supply and drain the pipes. This requirement helps prevent the conditions that lead to frozen pipes, which can result in significant damage.

By keeping the heat on, the likelihood of water in the pipes freezing is greatly reduced. Alternatively, if the insured decides to shut off the water supply, draining the pipes will eliminate the risk of water expanding and causing the pipes to burst when frozen. Both actions demonstrate the named insured's responsibility to take reasonable precautions against property loss due to freezing conditions, which is essential for coverage under these specific insurance forms.

Maintaining adequate heating or properly managing the water supply is crucial for policy compliance and protection during cold weather.