What is a consequence if a building is vacant for more than 60 days before a loss occurs?

When a building is considered vacant for more than 60 days before a loss occurs, reduced coverage for certain types of damage, such as vandalism and theft, is a common consequence. This policy stipulation recognizes that vacant properties are often at a higher risk of vandalism and theft compared to occupied buildings. Insurers may impose limitations on coverage because vacant buildings can be more prone to neglect and may not be adequately maintained, leading to a higher likelihood of damages that the insurer could be responsible for.

While other options may present scenarios that could occur outside this specific context, the reduction in coverage for vandalism and theft directly addresses the heightened risk and the insurer's need to manage potential losses associated with vacant properties.