Burst pipe when house was unoccupied. Looks like nobody turned the water off for a while. If you have an outdoor stopcock or water meter, a helpful neighbour can do it, or water company or emergency services.
There is some black mildew which suggests the house was not quickly ventilated to dry it out. Mould and fungus growth is slow in cold weather, and a wet house will be cold due to heat loss from evaporation.
It appears the insurance company has not taken responsibility for repair. If the house was not regularly occupied, insurance is likely to lapse or change conditions after 30 days or so. Turning off the water and keeping the house heated are likely to be insurers requirement if you want cover against escape of water. I have been through that.