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On Thursday April 8 a colleague told us about a situation around her home. Apparently, a nearby homeowner has a private collection of monkeys, 5 of which had escaped from home and were running through local neighborhoods. Our colleague naturally wondered about how homeowners and commercial property policies would respond if the monkeys damaged any property. As always, we have the answer.

Homeowners: Under Section I property, the policy excludes:  “Nesting or infestation, or discharge or release of waste products or secretions, by any animals;”. This is a very specific exclusion for particular actions of the animals. Animal control said at the time monkeys would find a place to rest at night since witnesses said some were resting in trees. That’s not likely to cause damage to the trees. 

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