Our HO-3 insured recently had mulch delivered to his home by a local nursery. After the mulch was spread around his plants, some artillery fungus sprung from it and attached themselves to the home. The paint job is now ruined and substantial expense will be involved to remove the fungus and re-paint the home.
The insurer has denied the claim based on the exclusion of the “release, discharge, or dispersal of pollutants or contaminants.” This interpretation seems rather harsh to us and we would appreciate your thoughts on the matter.
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