Under a standard dwelling and landlord insurance policy, ensuing losses caused by acts committed in the course of vandalism and mischief are not covered if the property has been vacant for 60 days. (Photo: Shutterstock) Under a standard dwelling and landlord insurance policy, ensuing losses caused by acts committed in the course of vandalism and mischief are not covered if the property has been vacant for 60 days. (Photo: Shutterstock)

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Question: We have an insured who carries a dwelling and landlord policy (DP-1). Burglars broke in/forced entry into the home and stole the boiler. That caused water damage to the home. Is the ensuing water damage covered?

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