Kut Suen Lui And May Far Lui v. Essex Insurance Company

IN THE COURT OF APPEALS OF THE STATE OF WASHINGTON C, r~~3 KUT SUEN LUI and MAY FAR LUI, ) NO. 72835-1-I ~ / I Respondents, ) ) DIVISION ONE ‘~ / %~D ~:;->U~ “ -~, c~ c~-~ ESSEX INSURANCE COMPANY, ) UNPUBLISHED OPINION Appellant. ) FILED: April 6, 2015 __________________________________________________________________________________) LAu, J. —After a vacant building owned by Kut Suen and May Far Lui was damaged by a frozen water pipe, Essex Insurance Co. denied coverage for the property loss because the Luis’ insurance policy excluded losses due to water damage when the building is vacant.…