Vacancy-Unoccupancy Clause Samples

Vacancy-Unoccupancy. We do not pay for loss caused by attempted theft, breakage of building glass, sprinkler leakage (unless you have protected the system against freezing), theft, vandalism, or water damage occurring while the building or structure has been: a. “vacant” for more than 60 consecutive days; or 2) the usual or incidental unoccupancy period for the described premises, whichever is longer. For a loss caused by a covered peril other than attempted theft, breakage of building glass, sprinkler leakage (unless you have protected the system against freezing), theft, vandalism, or water damage during a period of vacancy or unoccupancy of any building, as described above, the amount we pay is reduced by 15%. With respect to this provision, “unoccupied” means that the customary activities or operations of the described occupancy are suspended, but organizational personal property has not been removed. The building or structure shall be considered “vacant” and not “unoccupied" when the occupants have moved, leaving the building or structure empty, or containing only limited organizational personal property. Buildings or structures under construction are not considered either “vacant” or “unoccupied.” This provision regarding covered parsonages/staff dwellings will not apply if the building or structure is no longer used as or intended to be used as a parsonage/ staff dwelling.