Q

I am the insurance agent for an apartment complex. Recently a claim was submitted to the insurance company for a loss due to a malfunctioning heater. Apparently, a build-up of soot in the unit caused carbon monoxide fumes to enter the claimant's apartment. Fortunately, there was no serious or fatal injury; however, the tenants did request reimbursement for medical costs and lost wages. The insurance company is denying the claim based upon the pollution exclusion. Would this exclusion apply to these facts?