Thank you for sharing!

Your article was successfully shared with the contacts you provided.

The insured’s landlord’s package policy excludes damage from “insects, rodents, birds, or domestic animals.” During the course of a tenant move-out/move-in, three feral cats entered the home. They could not be trapped initially and did significant damage prior to being removed. The company has stipulated the cats were not the pets of either tenant and were in fact feral. The company has denied the claim, asserting that whether an animal is “domestic” depends upon the species. The insured asserts it depends on the behavior of the animal, and feral, wild cats cannot be considered domestic. Based on staff experience unrelated to insurance, we know feral cats enjoy the same protections under our animal cruelty statutes as pet cats, and for criminal law they are considered “domestic” regardless of their disposition. Insurance law frequently diverging, we would like your thoughts on the company’s denial.

This premium content is locked for
Insurance Coverage Law Center subscribers only.

Start a free trial to enjoy unlimited access to the single source of objective legal analysis, practical insights, and news for the insurance industry.

  • Access the most current expert analysis and daily developments across jurisdictions
  • Solve complex research issues with expert tools and intelligence
  • Tap into insurance coverage expert guidance

Already have an account?
For enterprise-wide or corporate access, please contact our Sales Department at 1-800-543-0874 or email iclc@alm.com.

S. Meyerowitz & V. Prussen Spears


Copyright © 2019 ALM Media Properties, LLC. All Rights Reserved.