HO-3 policy — A mother raccoon stows her 6 babies and one kitten under the bathroom floor of our insured's home. The entry point is discovered and closed off so that mom raccoon cannot get back to her kits, and the kits subsequently die. The insured eventually starts to smell an odor and rips the floor of the bathroom out, discovering the decaying carcasses. The area has to be cleaned out and the insulation replaced due to the contamination. Is the raccoon's decaying body a covered cause of loss and does the policy afford coverage to repair the access damage done to the bathroom?

Michigan Subscriber

The key here is which policy this is on. The HO 00 03 05 11 excludes nesting or infestation by animals, and the kits were certainly the result of nesting.