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Is Animal Feces a "Pollutant"?

Two denied claims were brought to our attention recently. In the first, raccoons had scratched through siding and were nesting in the attic of an Indiana home. The HO insurer paid for the structural damage, but refused to pay for damage caused by raccoon feces and bat guano, citing the pollution exclusion. The second claim was virtually identical except that the offender was a family of opposums in the attic of an Alabama home. Does the ISO HO-3 cover animal feces or not?

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Alexandria VA 22314
​phone: 800.221.7917
fax: 703.683.7556
email: info@iiaba.net

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