10/11/2026
There's a real Texas Supreme Court case that I think every homeowner in this state needs to know about.
A home sustained serious damage from frozen pipes. The owner filed an insurance claim. And the insurance company denied it
— citing the vacancy clause in the policy. The case went all the way to the Texas Supreme Court.
The insurer won.
The 60-day vacancy rule isn't buried in fine print for no reason. It exists because an unoccupied home carries different risk than
an occupied one. Frozen pipes don't get caught. Water damage goes undetected. Vandalism is more likely. Insurers know this —
and they write policies around it.
If your home is or will be vacant for more than 60 days, you need to have a specific conversation with your agent. Vacancy
endorsements exist. Standalone vacant property policies exist. You just have to ask.
Don't let your home become an uncovered liability because of a clause you didn't know was there.
— Updike Pugh Real Estate Group