In early December, while the property was unoccupied, Morgan’s real estate agent phoned him to advise that the house had been damaged as a result of a burst water connection to a second-floor toilet. Co-operators investigated the claim and denied coverage. The company’s position was that there was no insurance coverage for water damage after the property was vacant for more than five days, and there was no insurance at all for any loss if the dwelling was vacant for more than 30 consecutive days.