If a storefront is vandalized after being vacant for 65 days, will the insurer cover the damages?

In this situation, coverage for vandalism damage to a vacant storefront typically depends on the specifics of the insurance policy. Many commercial property insurance policies have clauses that limit or exclude coverage for losses occurring at properties that have been vacant for a specified period, often 30 to 60 days. Since the storefront has been vacant for 65 days, it likely surpasses this common timeframe stipulated by most policies, which could lead to a denial of coverage for vandalism.

Policies can define "vacancy" in a specific way, such as having minimal or no business operations and lack of occupants. After the defined vacancy period, insurers may consider the risk of loss to be lower, which can justify their decision to deny coverage. Therefore, given that the storefront remained unoccupied for more than the usual period, it is reasonable to conclude that the insurer would not cover the damages from vandalism.

While it is true that certain situations could be subject to the discretion of the insurer or specific policy terms, the clear criterion related to the vacancy period makes it likely that coverage would be denied in this case.