Under what condition is a residential property deemed vacant?

A residential property is deemed vacant when it lacks furniture or personal belongings, indicating that it is not being used as a living space. The absence of furniture typically suggests that the occupants have not only left but also do not intend to return soon, thereby classifying the property as vacant.

In contrast, the presence of tenants points to occupancy; ongoing maintenance suggests that the property is still being cared for and is likely occupied; and temporary occupancy implies that someone may be present, even if for a short duration, which would also not categorize the property as vacant. Understanding this definition is crucial for public adjusters as it can influence insurance coverage and claims related to the property.