After how many days is the SFP not covering losses due to vandalism for vacant properties?

The correct answer is based on the specific terms of the Standard Form Policy (SFP) regarding coverage for vacant properties. In many insurance policies, including the SFP, there is a provision that specifies a timeframe after which coverage for certain types of losses may become limited or excluded. For vacant properties, coverage for losses due to vandalism typically ends after 30 days.

This limitation is applied because vacant properties are considered at a higher risk for vandalism and other types of loss. Insurance providers establish these specific timeframes to manage their exposure to risk. After the 30-day period, insurers may assume that the property is unlikely to be returned to a habitable state, thus they may not cover subsequent vandalism losses during extended vacancies. Understanding this timeframe is crucial for property owners to ensure they comply with their insurance policy requirements and maintain appropriate coverage.