Deer Blood and the Pollution Exclusion

July 11, 2016

We represent a church that had a deer jump through a sanctuary window resulting in physical and blood damage to the building, including pews and pew cushions. The deer eventually left the structure through another window in an adjacent school hallway. The church is covered under Special Form CP 10 30 06 07. The carrier has put us on notice that they may attempt to deny the deer blood damage under the pollution exclusion. Does this exclusion apply to the deer blood damage?

This premium content is locked for FC&S Coverage Interpretation Subscribers

Enjoy unlimited access to the trusted solution for successful interpretation and analyses of complex insurance policies.

  • Quality content from industry experts with over 60 years insurance experience, combined
  • Customizable alerts of changes in relevant policies and trends
  • Search and navigate Q&As to find answers to your specific questions
  • Filter by article, discussion, analysis and more to find the exact information you’re looking for
  • Continually updated to bring you the latest reports, trending topics, and coverage analysis