We agree that the loss is covered. The juice caused the loss; the dog merely enabled the juice to get to the carpet. The list of HO 00 03 exclusions, beginning with wear and tear and ending with animals owned or kept by an insured are those things that will happen over time and therefore cannot be insured against.

Metal furniture subjected to weather outdoors will rust; painted woodwork will become scratched and worn over time. Pets, particularly those that are poorly trained, may damage carpeting or drapes. These direct losses are excluded. Note, though, that ensuing loss to property described in Coverages A and B that is not excluded or excepted is covered. It is this exception that provides coverage. If Fido continually digs at a corner of the carpet so that eventually there is a large hole, the damage is not covered. But if in the course of the digging he manages to take the insulation off a light cord, and the cord causes a fire, the resulting fire is covered.