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It seems as if the vendor was at fault through ignorance. He did not realise that he has to notify the insurer that the property was vacant. He was the loser, big time. Your loss by comparison was very much smaller. But this has been an education to me as well as to many in the forum perhaps...

No, not vandals. Obviously an electrical accident. The burnt out globe just happened to make shapes on the wall just like graffiti ;)