We have a claim where the insured's bulldozer was parked from October till April. When the dozer was parked in April it was operating fine. When they tried to operate it in April it would not track properly. The repair shop discovered that mice had chewed through the wiring that caused damage to the system that controlled the tracking. Would the exclusion for nesting or infestation, or discharge or release of waste products, secretions, by birds, vermin, rodents, insects or domestic animals under the FO-360S 0419 (attached)apply to this cause of loss?

Arkansas Subscriber

This exclusion is intended to exclude loss from and confined to infestations of the described birds, vermin, rodents, insects or domestic animals. When groups of mice or rodents nest it requires cleanup of the waste and secretions of these and that would be excluded, but the loss would need to be confined to just those perils, not to physical damage such as you describe. It sounds like a mouse or mice chewed through the wiring, but there was no discharge of waste products to be cleaned up, so the loss should be covered.