Vacating property insured by a policy of fire insurance constitutes a material change in the risk insured by the policy. Failure to notify the insurer will void the policy. If the insured’s insurance broker is advised that the property has been vacated, the insurance broker has an obligation to advise the insured that the property may no longer be insured by the policy. However, if the insured was aware that vacating the property could void his insurance, the insurance broker will not be liable for any damages resulting from an uninsured loss.
31. March 2005 0
Ken Murphy Enterprises Ltd. v. Commercial Union Assurance Co. of Canada,  N.S.J. No. 114, Nova Scotia Court of Appeal