My theft claim was refused what can I do?

I inherited my mother's house after her death in October 2012. I completed all the necessary legal proceedings and I am the current owner of the house. I had affairs to settle with my place of employment which is located in another country. I traveled at the end of November and returned in May 2013. However, my niece and her family lived on the property until the middle of March of 2013. In addition, my uncle which is my next door neighbor was at the house daily. The house was not completely vacant, it is completely furnished, all utilities are on with bills paid monthly, including phone, dsl and cable. My niece moved from the property mid-March 2013. My uncle found on the morning of April 1 that many lawn and farm equipment items on been stolen the previous night with approximate value of more than 10,000 dollars. He immediately called the police. I contacted the insurance company from outside of the country and informed them I would be back home, but my uncle was there and had notified the police. I submitted an itemized list of the items taken to my insurance company when I returned home. The claims adjuster came out to visit the sight and later called to tell me that he was sorry but my claim had been rejected because of the vacancy clause in my policy. My uncle was at the house daily even before my niece moved. I live in Kentucky and my company is Kentucky Grower's Insurance. Is there anything I can