Question
Who pays for a burst pipe?
Who pays depends on the section a burst pipe falls under, on what the conditions name inside that section, and on the excess set out on the schedule. What the conditions do not name is not insured by silence: it is simply outside the section.
With a burst pipe the useful photograph is the one taken before the water is cleared, and the useful note is the time the water was shut off.
An emergency plumber writes an invoice saying what failed and where. That invoice does more work than any description written afterwards.