Issue: Is arson a type of vandalism?
Case: Cipriano v. Patrons Mutual Insurance Company of
Connecticut
Facts: Juacikino Cipriano purchased an insurance policy on
his house from Patrons Mutual Insurance Company. The policy stated
that the company would not pay for any damage to the residence
caused by vandalism or burglary if the residence was vacant for
more than 30 days in a row just before the loss. Furthermore, the
company would not pay for damage to personal property caused by
fire, lightening or vandalism.
After Cipriano’s house had been vacant for more than 30 days,
an arsonist burned it down. Patrons denied his claim on the grounds
that arson is vandalism, which his policy did not cover. Cipriano
filed suit against Patrons. The insurance company filed a motion
for summary judgment.
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