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Vacancy is one of those things that generally does not receive a lot of consideration until something happens. With the mortgage crisis, one hears about many vacant houses. There are also vacant lots that communities take over to grow gardens or establish as playgrounds for the local residents. 

While at first glance whether a property is vacant would seem to be obvious, it is unfortunately not nearly as easy to determine as one would hope. In homeowners’ and dwelling forms, damage to a property caused by vandalism or burglary is excluded if the property has been vacant for more than 60 consecutive days immediately before the loss. It bears mention that some older forms use 30 days, so be sure to check your specific policy language. 

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