Questions regarding coverage for vacant buildings come up frequently in the FC&S “Ask the Experts” queue. The following examples illustrate two different outcomes regarding multiple buildings insured under one policy.

In the first scenario, an insured had one policy—a Building and Personal Property Coverage Form (CP 00 10 10 90)—insuring 10 different structures and buildings. Building 1 was occupied as a warehouse and office and at one time housed cold storage. The cold storage, previously occupied by a third party, had been vacant for a few years when it suffered its third vandalism and its conditioning compressors were stolen.

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