The way I interpret the following policy clause is that so long as the property is defined as other than "VACANT" which is the case when the property is being "constructed, altered or repaired", the 30-day time period and vacant status does not apply in this instance: We do not insure any loss at your premises if your dwelling has been vacant for more than 30 consecutive days immediately before the loss and the declaration page indicates an occupancy other than “VACANT“.

This community is being built by GS Courtyard Homes, located out of Bedford, IN.

This is one strategy I used. 

My lawyer suggests in a situation like this that I give them a notice that I am the new owner and that as of a certain date they owe market rent of $X,XXX.

This one has been walking all over you.

I did not mention, but this is a probate sale, and the seller is the executor of the estate.

Is there anything you would add to this list?

This is a first for me, so I'm not sure whether there's a protocol or this isn't my responsibility.

I have seen this same house that is vacant (all the classic signs) I have located the owner ( I have not reached out to her yet).

We have one property already as our primary home with a plan to buy another house and rent out this one.