A Florida contractor is hired by a property owner to renovate an investment property (house). The property owner lives in NY and the property is in Florida. The house has been unoccupied before and during the renovations. The contractor is the only person that had a key to the property.

Sometime during the renovations, it appears, but we cannot confirm, the contractor, or one of his subcontractors, left the entry door unlocked. Subsequently, it appears someone entered the home and either intentionally or unintentionally caused a fire that severely damaged the home.

The fire department report did confirm that, upon arrival, the entry door was closed, but not locked, and there were no signs of forced entry to the home.

This premium content is locked for FC&S Coverage Interpretation Subscribers

Enjoy unlimited access to the trusted solution for successful interpretation and analyses of complex insurance policies.

  • Quality content from industry experts with over 60 years insurance experience, combined
  • Customizable alerts of changes in relevant policies and trends
  • Search and navigate Q&As to find answers to your specific questions
  • Filter by article, discussion, analysis and more to find the exact information you’re looking for
  • Continually updated to bring you the latest reports, trending topics, and coverage analysis