It wasn’t damage by vermin, in that they didn’t eat away at anything. It got caught in the electrical system. I happens much more often than you’d think. I just had a claim like that for one of my clients. Luckily it was only about $14k.
What’s excluded depends on what that particular policy says. The ISO CP 00 10, for example, excludes nesting/infestation/secretions of animals, not “vermin.” The current ISO HO-3 policy no longer mentions “vermin” in the exclusions, but their earlier editions do, as do many insurers’ policies. It is always dangerous to generalize about coverage without referencing the precise language of the policy in question.
Thought damage by vermin was an excluded peril………………..
It wasn’t damage by vermin, in that they didn’t eat away at anything. It got caught in the electrical system. I happens much more often than you’d think. I just had a claim like that for one of my clients. Luckily it was only about $14k.
and how is the squirrel Uncle Lar????
Nuts.
What’s excluded depends on what that particular policy says. The ISO CP 00 10, for example, excludes nesting/infestation/secretions of animals, not “vermin.” The current ISO HO-3 policy no longer mentions “vermin” in the exclusions, but their earlier editions do, as do many insurers’ policies. It is always dangerous to generalize about coverage without referencing the precise language of the policy in question.
Oops…to be precise myself, it’s the ISO CP 10 30 causes of loss form, not the coverage form.