For years insurance companies in California routinely would take a position that your rental property left vacant for more than 90 days would not have coverage for a fire if the fire was caused by arson. In 2015 the California Court of Appeals in Ong v. Fire Ins. Exchange ruled that unless arson is defined as vandalism under the vandalism coverage, the vandalism vacancy exclusion does not exclude coverage for a fire caused by arson.
Arson caused by the insured is always excluded under policy.
You don’t have to accept your insurance company’s decision to deny your claim. Call us for a free consultation with a partner of our firm. We will fight for everything you are entitled to.