Boatowners—Marine Life Exclusion

We have a boatowners insured. The policy insuring the boat is not an ISO form, but we hope you can help us in interpreting a question of coverage. Not long ago, the insured arrived at the lake where his boat is kept to find that something, probably a muskrat, had chewed a hole in the boat.

The insurer has denied the claim, citing an exclusion of loss or damage caused by marine life.

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