Catalina Enterprises, Incorporated Pension Trust v. Hartford Fire Insurance Company, and Jennings Insurance Associates, Incorporated

Affirmed by published opinion. Judge NIEMEYER wrote the opinion, in which Chief Judge ERVIN and Judge MURNAGHAN joined.

OPINION

NIEMEYER, Circuit Judge:

Late on May 9 or early on May 10, 1992, a fire began in a warehouse on Quad Avenue in Baltimore, Maryland, owned by Catalina Enterprises, Inc. Pension Trust. The fire caused approximately $541,000 in damage. When Catalina presented its proof of loss to its insurer, Hartford Insurance Company, Hartford Insurance denied coverage because, at the time of the fire, the warehouse had been “vacant” for almost five months, and the applicable insurance…