Insured's dog was sprayed by a skunk and before the insured realized it the dog ran around the house causing the smell on drapes, rugs, etc. Written on an "all risk" policy so we submitted a claim to the carrier. They are denying as follows. Thank you for your help
The HO7 actually excludes specifically "secretions of animals" whereas, the HO3 and HO5 lists pollutants etc. So this policy is a little more clear, however, it is pretty clear to me is not covered. I Attached the section that discusses perils insured against in the policy. The exclusion I think applies is (8) and (9).
New York Subscriber
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Christine G. Barlow, CPCU
Christine G. Barlow, CPCU, is Executive Editor of FC&S Expert Coverage Interpretation, a division of National Underwriter Company and ALM. Christine has over thirty years’ experience in the insurance industry, beginning as a claims adjuster then working as an underwriter and underwriting supervisor handling personal lines. Christine regularly presents and moderates webinars on a variety of topics and is an experienced presenter.