After how many days of vacancy will the Insurance Company not pay a vandalism claim?

Insurance policies often contain specific clauses regarding the handling of claims related to vandalism, particularly in properties that have been vacant for certain periods. In New Jersey, standard homeowners' policies typically stipulate that if a property has been vacant for 30 consecutive days, coverage for vandalism may be limited or excluded entirely. This is designed to encourage property owners to maintain occupancy and secure their premises, as vacant properties are generally seen as higher risks for vandalism and other types of loss.

Understanding this timeline is crucial for policyholders and public adjusters alike, as it directly impacts the claims process. If a property has been vacant for more than 30 days prior to a vandalism incident, the insurer may invoke this clause to decline the claim, making it essential for property owners to be aware of their coverage terms and to take steps to mitigate risk during vacancies.