However, the 2nd exclusion listed (Excl 3.b) seems more appropriate – We do not pay for loss or damage caused by or resulting from ..  “Acts… of any governmental body”.

 Virginia Subscriber

 According to the exclusion for Governmental Action, the only loss that would be covered is ensuing fire. Otherwise the exclusion would preclude coverage for the damaged windows/doors. 

 Even though the team was acting legally, the SWAT team is a government authority and as such their actions in damaging the property are excluded.

 You will no doubt find the below referenced discussion article on this exclusion quite helpful. The case in point closely related to your example is described as follows:

 For example, in Alton v. Manufacturers and Merchants Mutual Insurance Co., 624 N.E.2d 545 (Mass. 1993), police executed various warrants to search a building for cocaine, drug paraphernalia, records of drug transactions, and money. In carrying out the search, the building was damaged. The insured submitted the loss to his insurer, which denied the claim. The court upheld the denial, stating that the damage was caused by the police in executing the search warrant, and the search necessarily entailed a certain amount of destruction.

 As an aside, depending on the facts of the situation, the insured may wish to contact the authorities and ask if they will cover the damages.