Emergency Medical Team Damages Doors to Rescue Insured

We have an agency customer on an HO3 policy. He had suffered a medical condition and called 9-1-1 for emergency treatment. Upon arriving, the paramedics received no answer to the front door bell, nor any answer by phone, so to gain access to the home to treat the client, they attempted to break down the front door. The door was damaged but they still could not gain entry, so they then broke down the back door, gained access and then treated the client. The damage is well over the insured's deductible. Is this a covered cause of loss?

Ohio Subscriber

Indeed, this is a covered loss. There is no exclusion for emergency medical assistance breaking in the door to rescue the insured. While the EMT's may work for the government, this action is not the same as governmental action to destroy property by order of any governmental or public authority; that particular exclusion won't apply in this instance. The exclusion for acts or decisions of governmental bodies also doesn't apply. The insured required emergency medical treatment and received it. The damage to the doors was an unfortunate side effect, but is still covered.