Our insured has a DP-3 policy on some rental property. A seam in a woodburner separated allowing smoke into the ductwork. The smoke was channeled throughout the house via the furnace ductwork. The woodburner is for occasional use and is not the primary heat source, but the indications are that this has occurred over a number of years. The main traffic areas of the carpets have been regularly cleaned, but there is smoke in the corners.

On the DP-3 policy, exclusions 2.h.(1) wear and tear, (2) inherent vice, latent defect, and mechanical breakdown, and particularly (5) pollutants, appear to indicate that this loss is not covered.

Our insured also has an HO 00 03 04 91 for his residence which has the same exclusions. How would this loss be viewed under these forms?