Animal Chewing Not a Result of Infestation

We  have a commercial property claim where the property management company for a housing subdivision discovered damage to the inside of their clubhouse. The damages inside looked like an animal had chewed up portions of the carpet, window sills and doors inside the clubhouse. The insured called an exterminator who advised it appeared a squirrel or similar animal got inside causing the damage.

The exterminator advised that the animal may have come in through one of the vents, a hole in the attic, etc. The property management company had a function in the clubhouse 2 days prior and everything was fine and reported no prior problems with animals/rodents in the building. Insured advised they had no prior problems with rats or other rodents/animals in the building.