Animal Damage Exclusion on Homeowners Policy

Our insured's toddler left a plastic bottle of grape juice lying on the wall-to-wall carpet. The family dog found the bottle, and used it for a chew toy. Now there are stains on the carpet which cannot be removed. The insurer is denying coverage, citing the exclusion for damage caused by animals owned or kept by an insured.

Our insured has an HO 00 03 04 91, and we think this is just the sort of loss the HO 00 03 is intended to cover. What do you think?

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