Drug Use and Intentional Acts

Under the standard ISO Homeowner policy (HO 3), we have a 17 yr old insured that caused damage to the neighbor's property by throwing rocks at the home. The 17 year old was under the influence of drugs and was hallucinating. Would the intentional acts exclusion apply?

Wisconsin Subscriber

The policy excludes bodily injury or physical damage arising out of the use, sale, manufacture, delivery, etc. of controlled substances as defined by the Federal Food and Drug Law. Controlled substances include but aren't limited to LSD, cocaine, marijuana, and all narcotics. The only exception is medications being used at the direction of a licensed physician, and the person must be following the orders of said physician. It doesn't sound like the 17 year old was following his physician's orders. Therefore, the damage caused by his throwing rocks, whether or not intentional, is excluded because he was under the influence of drugs.