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Clear and Unambiguous Language can lead to Denial of Coverage Under 30-Day Vacancy Exclusion

December 08, 2017

Taylor v Co-operators General Insurance Company2017 ABQB 705

Case Facts
This matter arose from a fire that occurred on August 22, 2015. The property was a rental home and was occupied from August 2011, until July 13, 2015 (the “House”). After the tenants moved out, the Respondent began renovating the House. On July 22, 2015, the Respondent brought a holiday trailer (the “Trailer”) adjacent to the House with the intention of staying in the Trailer occasionally during the renovations. The Respondents would store tools and use the washroom in the House; however, there was no food, clothing or other personal items in the House.

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