How long can a dwelling be vacant before TFPA policies deny coverage for damages?

The correct duration for which a dwelling can be vacant before TFPA (Texas Fair Plan Association) policies deny coverage for damages is 60 days. This is significant because many insurance policies have specific stipulations about coverage lapsing due to vacancies. Insurers often regard vacant properties as higher risk due to factors such as lack of maintenance and increased potential for damage from undetected issues.

Therefore, a dwelling that remains unoccupied for more than 60 days can lead to the denial of claims that arise from damages occurring in that timeframe. Understanding this limitation is crucial for policyholders to ensure that they maintain coverage and take necessary measures if their property is going to be vacant for an extended period.