From the IBA:
The term "vacant" is a defined term in the ordinance, and it bears repeating: As a mortgagee or servicer, you will have to determine on a monthly basis whether a residential property that is in default is "vacant." This includes when "the structure is empty or otherwise uninhabited by persons and the structure or lot is in need of maintenance, repair or securing," and at least one of the following exists: (a) doors or windows are smashed through, broken, unhinged, removed or continuously unlocked, (b) gas, electrical or water services to the entire premises have been terminated, (c) there has been no legal construction for over 6 months, (d) law enforcement officials have received at least one report of trespassing or vandalism or other illegal acts on the property in the last 6 months, or (e) there has been a judicial or city administrative order declaring the property unfit for occupancy.
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