Mold Claim under Personal Auto Policy

We have an insured who reports mold growing in her car. There was a hole in the car's convertible top. The insured had it repaired but apparently rain had already entered the interior of the car through the hole and had saturated the back seats without the insured knowing it. The insured parked her car in a small brick garage while she was away on a trip and we think the dark, damp brick garage caused the moisture in the car seats to grow mold.

We're not sure if any exclusion on the auto policy applies to this claim. One associate here did bring up the wear and tear exclusion and another thought that perhaps this was not an accidental loss. What is your opinion?