A building vacant for 75 days; which peril is covered?

• A. Theft
• B. Glass breakage
• C. Weight of ice and snow
• D. Vandalism

Answer: (C)

Vacancy rules in property coverage limit protection for certain risks, especially those tied to a vacant property like vandalism or theft. But some perils are treated as standard weather-related risks and stay covered regardless of occupancy. The weight of ice, snow, or sleet is one of those perils that remains in scope because it stems from natural accumulation and can cause direct physical damage to the structure. So even after 75 days of vacancy, damage caused by the weight of ice or snow on the building is typically covered.

The other options are the ones vacancy provisions commonly restrict or exclude: theft and vandalism abuses are the perils most often limited when a property has been unoccupied for an extended period. Glass breakage can be handled differently depending on the policy, but the key takeaway is that weight of ice and snow retains coverage independent of vacancy.