For the Insurance Advocate, March 2009
“Can an insurance company cancel your homeowner’s policy if you leave your New York home unoccupied during the winter months in order to spend the season in a warmer climate? Apparently, many insurance companies have canceled homeowners’ policies claiming either that an unoccupied residence constitutes (a) a “physical change” or (b) a willful or reckless act or omission increasing the hazard insured against.”
