Fundamentos de Seguro de PropiedadPregunta 283 de 531
In property underwriting, a building is described as vacant rather than unoccupied when:
a.It holds no contents and no operations
b.The owner has listed it for sale
c.It is furnished but nobody sleeps there
d.The residents are away on a long trip
Explicación
Vacancy means the building is empty of the contents and the activity needed to carry on customary operations, while unoccupancy means it is still furnished and equipped but nobody is present for a time. The difference matters to underwriters because an empty building invites vandalism, undetected water damage and late discovery of fire, and property forms restrict certain perils once a vacancy has run long enough. A family away on a long trip leaves a home unoccupied, not vacant.
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