how does home owners insurance work

If sewers and heating pipes broke and the pipes burst due to frozen lines. Home owners insurance cover i?
My mom owns two trailer-size houses twenty feet of each other side by side on the same property and are connected to the sewer line same. Due to the cold winters here, the pipes, although isolated, was frozen and Busted. Also the heat. Within a month, both houses will become uninhabitable if the sewer and heat are not fixed. Home owners insurance cover?
Well, if she has a stick policy of the owners of houses built in a trailer, then no. And if the trailers were vacant or unoccupied at the time of the freeze, no. And if the pipes are out of trailers, no. Outside the lines not covered. And Why did you wait so long to file the claim? This could also be a dealkiller. Odds are, this will not be covered.