What kind of peril is an animal crashing through the glass?

January 19, 2010

Under the peril of "falling object" in the homeowners policy, would there be any coverage for a damaged television caused by a deer that entered a house by jumping through and breaking a glass window of the house?

Kentucky Subscriber

You have an interesting scenario. The policy doesn't define "falling object," and in such situations it is customary to go to a standard desk reference. Merriam Webster Online defines "object" as "something material that may be perceived by the senses." Using this definition, the deer can be considered an object.

 "Fall" is defined as "to descend freely by the force of gravity, or to leave an erect position suddenly and involuntarily." This is where it becomes difficult; was the deer falling or jumping? "Jump" is defined as "to spring into the air: leap, especially to spring free from the ground or other base by the muscular action of feet and legs."

 It sounds like the deer truly jumped through the window, versus tripping over a chair on the patio and falling, although what really happened is a matter of fact. Therefore, if the deer jumped through the window, there is no coverage under the policy. Jumping animals are not a covered peril.

This premium content is locked for FC&S Coverage Interpretation Subscribers

Enjoy unlimited access to the trusted solution for successful interpretation and analyses of complex insurance policies.

  • Quality content from industry experts with over 60 years insurance experience, combined
  • Customizable alerts of changes in relevant policies and trends
  • Search and navigate Q&As to find answers to your specific questions
  • Filter by article, discussion, analysis and more to find the exact information you’re looking for
  • Continually updated to bring you the latest reports, trending topics, and coverage analysis