231
(2015).
                                                                   3


2009, to April 27, 2010.   The policy was subject to the

requirements of G. L. c. 175, § 99, Twelfth, which sets forth

standard terms applicable to all fire insurance policies in the

Commonwealth including a two-year statute of limitations for any

claims covered by such policies.4

     In December, 2009, the property was vacant except for

ongoing construction work in                            4


and December 18, to approximately 260 cubic feet of water every

six hours.    This rate of water usage continued from December 19

to December 28, 2009, and in excess of 8,000 cubic feet of water

was released during that period.     The damage for which Nurse

seeks coverage occurred on December 19, 2009, the day on which

the water usage first spiked.6    On December 28, 2009, the

commission notified Nurse of the increased water usage; he went

to the property that day, where he discovered substantial water

damage to the building.     He traced the damage