Raccoon pushed metal soffit out of J channel got in attic had babies. Company acknowledges for direct damage by raccoon. Is the urine/feces soaked insulation removal, spraying attic with anti-bacterial covered? Smell in living area of house is terrible requiring constant air circulation. Hoping no sheetrock will have to be removed but if so would that be covered?

Kentucky Subscriber

Loss caused by birds, rodents, vermin or insects is excluded in the ISO HO 00 03 10 00 form. Because this can be interpreted in more than one way, the 2011 form clarified the language to exclude not just birds, rodents or insects, but also nesting or infestation, discharge or release of waste products or secretions of any animal.