A New Approach: Disclaiming Coverage for Arson to a Vacant Building in Standard Fire Policy States

While insurers have often tried to exclude losses for arson occurring in a vacant building under the typical vandalism exclusion, there is no clear consensus for how a given court may rule in such a situation. The biggest hurdle appears to be the differing opinions of the "average" insurance purchaser from state to state, and there appears to be very little rhyme or reason for the difference in results.

32 minute read October 28, 2008 at 04:32 PM

Gregory C. Fahrenholt And Seth A. Schmeeckle

Fire coverage is historically the most basic element of property insurance coverage. A typical property insurance policy provides “open peril” coverage for any damage sustained to a building unless the peril causing the damage is expressly excluded in the policy.

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A New Approach: Disclaiming Coverage for Arson to a Vacant Building in Standard Fire Policy States

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Real Property Law

Entrepreneurship Is Already Hard: Rising Above Extraordinary Personal Crises to Build an Award-Winning Professional Reputation

Applying the Zero Trust Model to Manage Risks of Agentic AI

California’s AI Transparency Stack: From State Obligation to Adoption Strategy