Cavin v. Charter Oak Fire Insurance

Mr. PRESIDING JUSTICE SEIDENFELD

delivered the opinion of the court:

Robert Cavin and Mary Cavin, plaintiffs, sued the defendant, Charter Oak Fire Insurance Company, on an insurance policy insuring their rental property against damage from vandalism. Summary judgment was granted in favor of the insurance company based upon the pleadings, including the insurance policy and the deposition of the plaintiffs. Plaintiffs appeal.

In issue is the interpretation of the exclusion of coverage for vandalism and malicious mischief, “while the dwelling is vacant beyond a period of 30 consecutive days.”…