Winston-Salem Fire Fighters Club, Inc. v. State Farm Fire & Casualty Co.

The policy .as prescribed by statute, G.S. 58-176, provided: “Conditions suspending or restricting insurance. Unless otherwise provided in writing added hereto this Company shall not be liable for loss occurring (a) while the hazard is increased by any means within the control or knowledge of the insured, or (b) while a described building, whether intended for occupancy by owner or tenant, is vacant or unoccupied beyond a period of sixty consecutive days. . .” The endorsement “DWELLING AND CONTENTS FORM (For use in Writing Fire or Fire With Extended Coverage),” .attached to the policy,…