We have an insured that due to a medial issue, had rectal bleeding and got blood all over the floors and walls. They are looking for clean up of the blood and fecal matter under their policy.
The insured has special perils and I'm not seeing that it would be excluded from coverage as previous questions addressed blood as not being a Pollutant and this was not a suicide so intentional act does not come into play.
This is the second claim we have received like this, damage due to human blood/excrement from an insured being sick. We are looking for your opinion on coverage.
Michigan Subscriber
Your policy defines "pollutants" as "means any solid, liquid, gaseous, or thermal irritant or contaminant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals, and waste. Waste includes materials to be recycled, reconditioned, or reclaimed." This applies to industrial products, and not bodily fluids. Pollutants are then only excluded under Section II Exclusions and under the Section I Perils Insured Against – We do not insure section of the Unit Owners Special Coverage Endorsement, where 3.e.(5) discharge, dispersal, seepage, migration, release, or escape of pollutants; is not covered. There does not seem to be a Section I Exclusions section. If that is the case, then the cost of clean up should be covered. Exclusions are to be read narrowly, and in this context, blood and other fluids are not related to smoke, vapor, soot, acids, alkalis, chemicals, and waste. We have written on this topic before, you may find the following articles helpful:
https://www.propertycasualty360.com/fcs/2012/05/30/dead-mans-claim-the-confusion-of-clean-up/https://www.propertycasualty360.com/fcs/2017/07/24/discovery-of-deceased-tenant/

