(case involves fire to house insured by defendant's policy; fire occurred three months after policyholder died and over five years since policyholder last lived in the house (elderly homeowner who went to nursing home until time of death); defendant denied coverage because defendant not notified of change in use or occupancy of residence, increase in hazard to premises and loss due to vandalism; trial court determined that defendant entitled to judgment based on hazard clause of policy (house had become unoccupied); trial court decision reversed and case remanded - plaintiff entitled to hearing on whether hazard exclusion applies and defendant entitled to hearing on vandalism exception).