The insured has a Building and Personal Property Coverage Form, CP 00 10 10 90. The business is described in the Declarations as a medical office.
The insured had a theft loss. The insurance adjuster assigned to the claim conducted an investigation and found out that the insured premises had been used for more than six months as dead medical file storage. The doctor who operated the medical office had died.
The insured has been selling the office equipment for the last sixth months, and at the moment of loss there were only a few of chairs and a cabinet left. The premises has also had a "for rent" sign outside the building for the past sixth months. There is no medical business being conducted at the premises.
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