The insured purchased a 50,000 square foot building on October 25, 2019. From that time, he was cleaning, moving in BPP, having meetings, planning the use of his space for his agency which services the developmentally disabled. He also was obtaining quotes for work to be done. The electric and gas were on, but the building was winterized, and water/sewer was shut off.

Upon COIVID-19 taking its grip in Ohio, the government shut down many businesses, his being one in March, 2020. On April 28, still during the shutdown, the insured noticed that theft of property had taken place: Copper pipes ripped out, air conditioner condensers taken, etc.

The insurance company was notified, and a claim filed. The insurance company has not made a final decision, but is pointing to CP 00 10 Vacancy clause for the insured to be aware of.