Question 21

Damage by vandalism and accidental discharge of water are broad peril exclusions for vacant buildings.

When a building remains vacant for over 60 consecutive days, it is subject to specific exclusions under broad peril coverage, including damage caused by vandalism and accidental discharge of water.

A) Falling objects and accidental discharge of water or steam

Falling objects are not typically excluded under the broad peril exclusions for vacant buildings. While accidental discharge of water or steam can be a concern, it does not specifically align with the exclusions pertaining to properties that have been vacant for the specified duration.

B) Damage by vandalism and accidental discharge of water

This option accurately identifies the two perils that are broad peril exclusions for a building that has been vacant for more than 60 days. Insurance policies often exclude coverage for vandalism and water discharge in such cases due to the increased risk associated with unoccupied properties.

C) Weight of ice, snow, or sleet and freezing of plumbing

While freezing of plumbing can be a concern for vacant buildings, the weight of ice, snow, or sleet is not typically categorized as an exclusion. Instead, these issues may still be covered under certain policies, depending on the specific terms and conditions.

D) Freezing of plumbing and falling objects

Freezing of plumbing can indeed pose a risk for vacant buildings, but falling objects are not excluded in this context. Therefore, this option does not represent the correct exclusions for a vacant property.

Conclusion

Damage by vandalism and accidental discharge of water is the correct answer as it reflects the specific exclusions for buildings that have been vacant for over 60 days. Other options either misidentify the exclusions or include perils that are not typically excluded under these circumstances, highlighting the importance of understanding policy details when it comes to vacant property coverage.