1. Under the Massachusetts standard fire policy, for a commercial building the vacancy or unoccupancy period after which coverage is suspended is:

Thirty consecutive days

M.G.L. c.175 s.99 uses sixty days for residential premises of three units or less and thirty consecutive days for all other premises.

2. Before paying a claim of $5,000 or more for damage to real property other than an owner-occupied one-to-four family dwelling, a Massachusetts insurer must first require:

A certificate of municipal liens from the tax collector

M.G.L. c.175 s.99, Fourteenth, requires a certificate of municipal liens before paying such claims, and outstanding liens are paid to the city or town first.

3. Before paying a claim of $1,000 or more for loss to a building, a Massachusetts insurer must give written notice to the local building official and board of health at least:

Ten days before payment

M.G.L. c.175 s.99, Fifteenth, bars paying such a claim without at least ten days prior written notice to the building commissioner or inspector and the board of health or selectmen.

4. Under M.G.L. c.175 s.99, a commercial policy issued in the standard fire form may exclude loss caused by an act of terrorism as defined in:

The federal Terrorism Risk Insurance Act of 2002

Thirteenth of s.99 lets commercial policies exclude losses caused by an act of terrorism as defined in the Terrorism Risk Insurance Act of 2002, while that federal program continues.