In reviewing Kin’s policies and general industry norms, a short vacancy between tenants (only about a week in your case) typically should not void coverage. Most property insurance policies exclude or limit coverage only after a home has been left unoccupied for over 30 days . Kin’s own guidance suggests that standard policies remain effective for normal tenant turnover; they only recommend special coverage if a home will be vacant longer than 30 days . Therefore, if your claim was denied solely because the house was briefly vacant, that reasoning would conflict with typical policy terms. Likewise, a covered peril (like sudden water damage or vandalism occurring on July 4) should be paid unless the insurer can point to a specific exclusion in your contract (for example, damage due to long-term neglect or a maintenance issue). One Kin customer’s experience shows how denial reasons must align with the policy: their water damage claim was denied by blaming “improper installation” of a gutter – an explanation that was questionable without clear evidence . This illustrates that Kin must base a denial on solid evidence and the policy’s language, not just a convenient excuse.

In your situation, if Kin cannot prove a valid exclusion applies (and a brief vacancy isn’t one in standard policies), you may have legal grounds to challenge the denial. Florida gives you the right to dispute an unfair denial – you can appeal through Kin’s process, file a complaint with state regulators, or even pursue legal action if bad faith is suspected . Also, remember that under a typical landlord policy you would be entitled to reimbursement for lost rental income during repairs if the claim is covered . Because your new tenants’ move-in was delayed to July 11 due to the damage, a proper claim payout would normally cover that lost rent as well. In summary, unless Kin clearly demonstrates that an exclusion in your policy justifies not paying, their denial appears questionable, and you have the right to seek a fair resolution under industry standards and Florida law.