An Oregon appellate court ruled that property damage caused by tenants who smoked methamphetamine is not covered by the landlord's "all-risks" policy.  The case is Lockner v. Farmers Ins. Co. of Or., 2024 Ore. App. LEXIS 734 (Or. Ct. App. 2024). 

William Lockner rented a dwelling to a tenant who used methamphetamine while living in the insured dwelling, which left copious amounts of methamphetamine residue throughout the dwelling and even in the HVAC system. 

Lockner sought coverage under his "all-risks" landlord's policy from Farmers. The claim was denied based on the policy exclusion for damages caused by the "release, discharge or dispersal of contaminants, pollutants, insecticides, or hazardous gasses or chemicals." Lockner filed suit against Farmers and filed a motion for partial summary judgment, claiming the methamphetamine residue was the result of vandalism rather than pollutants or contaminants. Farmers filed for dismissal of Lockner's suit, reiterating that the damage from the methamphetamine residue was subject to the pollution exclusion. The trial court agreed and found in favor of Farmers.