The vacancy provision probably does not apply, but the record is thinner than I would like.

The policy suspends coverage after 60 consecutive days of vacancy. Utility billing shows continuous water and electric usage through the loss date — low, but non-zero every month, with a 41% drop from March onward. Gas was disconnected in February.

The lease file supports occupancy: a month-to-month tenancy signed 4 Nov 2025, no termination notice on file.

Where this needs your eyes: low usage plus a gas disconnect is the pattern an SIU referral would flag. If you want the position to hold, get a recorded statement from the tenant confirming residence through the loss date. Without it we are relying on billing inference alone.