The Washington Supreme Court, affirming an appellate court’s decision, has ruled that the term “vacant” in a “Change in Condition Endorsement” was unambiguous and that the endorsement excluded coverage for water damage immediately upon vacancy.

Kut Suen Lui and May Far Lui owned a building containing tenant space in Washington. The building’s last tenant moved out in the first week of December 2010. Around Jan. 1, 2011, less than 60 days later, a frozen sprinkler pipe broke in the building and caused substantial water damage.

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