Except for lights, heat and electricity were turned off. The contention was that the presence of a few items, not necessarily related to the last tenant, rendered the exclusion inapplicable. A single light bulb would have that effect. The reasonably prudent layperson would also agree that there must be restrictions on coverage for vacant buildings. Insureds, however, can be expected to seek recovery for substantial losses.
Several suggestions come to mind to minimize potential vacancy problems.
The new vacancy definitions being filed by ISO will merit extra attention. But whether the old or the new definitions apply in a particular state, agents and brokers can perform a significant service by discussing the vacancy exclusion with commercial insurance buyers. This is especially true when coverage applies to several buildings and one might be out of use for an extended period. It is likely that discussion of the exposure with insurance company underwriters would be warranted. An occasional visit and inspection of the premises by the agent or broker during the policy term is a special service that might nip a problem in the bud.