Póliza de Vivienda (DP)Pregunta 300 de 531
On a dwelling policy carrying vandalism coverage, letting the building stand empty matters because vandalism is:
a.paid at half the loss while the building is empty
b.replaced by open-perils wording during a vacancy
c.unaffected, since vacancy reaches only theft losses
d.suspended once vacancy runs past the stated period
Explicación
Vandalism or malicious mischief is suspended once the dwelling has been vacant beyond the period the form allows, because an empty building is a far easier target; the other perils keep running. The policy does not cut the payment in half. Vacancy is not limited in its effect to theft, which the unendorsed dwelling policy does not insure in the first place.
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