A landlord's DP-3 rental house has been vacant for 75 consecutive days while between tenants. Vandals break in and spray-paint the interior. How does the policy respond?
Explanation
Under the DP vacancy condition, once the dwelling has been vacant more than 60 consecutive days immediately before a loss, the insurer will not pay for losses caused by vandalism or malicious mischief, glass breakage, sprinkler leakage, water damage, or theft (if endorsed). The 75-day vacancy crosses the 60-day threshold, so the vandalism loss is excluded. Some other perils such as fire would still be covered.
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