The insured has a lake home, on a crawl space, crawl space is cement paved, with [4] sump pumps, that drain into the lake. The insured has had home for a number of years, with no problems; he went to visit the cottage, and noticed a strong smell in the home, and hired a contractor to go into crawl space. The contractor discovered many large dead frogs in the sump pumps, creating a strong smell.

The contractor believes they came in via the tile/drainage lines going into the lake, and has placed screening on the pipe so they cannot enter going forward. 

The insured filed a claim looking for coverage for the clean-up of the frogs. The adjuster, I believe, denied under the wrong section of the policy [Landlord's Furnishings?] … but I do not believe there is coverage, due to the other exclusions. Thoughts?