Our insured has a single-family rental dwelling insured on a DP-3.  His tenants notified him they were vacating, but before he could inspect the dwelling in their presence they left.  When he went to the dwelling, he found that the bathroom had been remodeled.  The plumbing had been improperly installed, resulting in a leaking commode.  The tub drains onto the front lawn.  Several closets had their doors removed and shelves installed.  In the kitchen, cabinets were removed and a large cabinet containing a built-in oven was installed.  Additionally, the carpet was worn in several places, there were nail holes in the walls from pictures, and several windows in the living room would not open and close.

Our insured, who did not inspect the dwelling for seven years prior to discovering the loss, now wants the dwelling restored to its original condition.  We do not think the loss is covered.  What is your opinion?

Florida Subscriber