Date of Purchase and Date of Vacancy

My question involves a dwelling fire policy with basic coverage. The client purchased a home with the intent to renovate the home. The home had been vacant almost a year before the client purchased the property. The client obtained a dwelling fire policy on the newly purchased home. Ten days after closing on the property and before actual renovations began the home was set on fire (arson). The insurance company is taking the position that since the fires were set in 4 separate locations that the fires qualify as vandalism and since the property was vacant for over 60 days there is no coverage for the loss. We are of the opinion that since the insured only owned the property for ten days that he shouldn't be penalized for the property being vacant for an extended period of time prior to his interest in the property. Further we question if the arson is in fact vandalism. We look forward to your opinion.

Pennsylvania Subscriber