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A deer caused damage to an insured’s building when it broke through the structure’s glass. (Photo: John Disney/ALM)

Analysis brought to you by FC&S Expert Coverage Interpretation, the recognized authority on insurance coverage interpretation and analysis for the P&C industry. To find out more — or to learn how to find answers to YOUR coverage questions — click here!

Question:  I have an insured that experienced a loss when a deer ran through the glass at the front of their building, causing damage to the floors and tracking blood throughout the building.

The insured is covered with the Causes of Loss – Special Form CP 10 30 10 91, which states on page 2, section 2: “We will not pay for loss or damage caused by or resulting from any of the following … d. (5) Insects, birds, rodents, or other animals.”

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