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Under the diocesan insurance program, there is a limitation as to how long a building is permitted to be vacant/unoccupied. The following applies to all buildings except garages, sheds and other such buildings never intended to be physically occupied on a permanent basis.

The following condition applies to those locations insured under rate group A, AA and B. This condition DOES NOT apply to rate group C.

The allowable vacancy is 120 consecutive days. The loss is NOT COVERED

if any damage to a building and/or contents occurs after this time period is exceeded. 


The above is addressed under the policy as: PROPERTY EXCLUDED.

This form does not insure loss of or damage to:
     (B) Buildings and contents at locations which, to the knowledge of the Insured, are vacant, unused, shut down for more than 120 consecutive days.

The above can be circumvented by holding an event which interrupts the continuous cycle and re-starts a new 120 continuous day cycle.   

An event could include, but is not limited to:
Churches/Chapels – a service, prayer meeting, wedding, funeral, baptism.

Halls/Rectories – meetings by vestry, ACW, any committee of the parish.

The above needs to be recorded in vestry minutes as tangible proof that the “activity” took place. The every 3 day inspection of the premises to ensure no damage has occurred since the last inspections needs to continue. Note: This “inspection” and/or “walk through” does not equal occupancy. Needs to be documented in writing, signed, dated, reported to council, maintained in council records.


Insuring Categories
AA — intended to rebuild 100% of appraised value
A — 70% of appraised value
B — Less than 70% appraised value ($50,000 minimum)
C — Vacant ($25,000 minimum)

View the document → Vacant Building Checklist