Cancellation of policy — Conditions required for.
RCW 48.53.030
in effectNotwithstanding the provisions of RCW 48.18.290 , where two or more of the following conditions exist, an insurer may, under RCW 48.53.040 , cancel a fire insurance policy for any structure: (1) Which, without reasonable explanation, is unoccupied for more than sixty consecutive days, or in which at least sixty-five percent of the rental units are unoccupied for more than one hundred twenty consecutive days unless the structure is maintained for seasonal occupancy or is under construction or repair; (2) On which, without reasonable explanation, progress toward completion of permanent repairs has not occurred within sixty days after receipt of funds following satisfactory adjustment or adjudication of loss resulting from a fire; (3) Which, because of its physical condition, is in danger of collapse; (4) For which, because of its physical condition, a vacation or demolition order has been issued, or which has been declared unsafe in accordance with applicable law; (5) From which fixed and salvageable items have been removed, indicating an intent to vacate the structure; (6) For which, without reasonable explanation, heat, water, sewer, and electricity are not furnished for sixty consecutive days; and (7) Which is not maintained in substantial compliance with fire, safety, and building codes.
Notwithstanding the provisions of RCW 48.18.290 , where two or more of the following conditions exist, an insurer may, under RCW 48.53.040 , cancel a fire insurance policy for any structure:
(1) Which, without reasonable explanation, is unoccupied for more than sixty consecutive days, or in which at least sixty-five percent of the rental units are unoccupied for more than one hundred twenty consecutive days unless the structure is maintained for seasonal occupancy or is under construction or repair;
(2) On which, without reasonable explanation, progress toward completion of permanent repairs has not occurred within sixty days after receipt of funds following satisfactory adjustment or adjudication of loss resulting from a fire;
(3) Which, because of its physical condition, is in danger of collapse;
(4) For which, because of its physical condition, a vacation or demolition order has been issued, or which has been declared unsafe in accordance with applicable law;
(5) From which fixed and salvageable items have been removed, indicating an intent to vacate the structure;
(6) For which, without reasonable explanation, heat, water, sewer, and electricity are not furnished for sixty consecutive days; and
(7) Which is not maintained in substantial compliance with fire, safety, and building codes.
Source: WA Statutes (Official Site)URL: https://app.leg.wa.gov/RCW/default.aspx?cite=48.53&full=trueFetched: 6/29/2026