Bird Droppings and Damage to the Exterior of a Home

Our homeowners insured is covered with a standard HO 00 03 04 91. During a recent storm a large group of birds assembled in a tree near the house. Because of the strong winds, bird droppings were blown against the house, causing much damage.

The insurer has denied this loss based on the exclusion of damage done by birds, vermin, rodents, or insects. We do not believe this exclusion applies and would like your opinion.

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