Mortgagee's Claim Covered?

We received a call from a mortgagee. The insured defaulted on the loan, and the mortgagee foreclosed on the home. When an inspector from the mortgage company arrived, he found that the insureds had moved out, and the home had been vandalized. The company submitted a claim to us, but it appears that the home had been vacant for more than 30 days prior to the loss.

Do we owe for this loss? The insured had an ISO HO 00 03 04 91.

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