• 216-642-1425

Bat Guano Damage — Unfairly Excluded From Insurance Coverage?

Dry bat guano can harbor a fungus, histoplasmosis, that is harmful to people’s health and can cause flu-like symptoms such as shortness of breath, fever, cough, headache, and joint pain. Bat droppings usually occur in attics or crawl spaces, but fungal spores that grow in the droppings can spread throughout a structure. Sometimes bat droppings can be safely remediated, but we have handled claims where the droppings are so extensive and invasive that the cost to remediate a building exceeds its value.

Most insurance policies cover loss due to animal droppings, but some insurers attempt to exclude bat droppings as “pollution” or rodent damage. We have successfully defeated these exclusions in several cases. Let us know if your property has been damaged by bat guano and your insurer refuses to accept responsibility.

The insured sustained a small water loss, and reported it to his insurers. Inspection of the loss revealed that the insured’s entire 20-building apartment complex was damaged by bat guano, which is bat excrement. The excrement was inches deep in the attics and even deeper in the balloon-construction wall cavities. The insurers recognized that the extensive damage required significant tear-out and rebuild of all of the buildings, so it looked for a way out. The insurers (there were many layers) denied the bat guano claim based on the pollution exclusion. We filed suit, conducted discovery, obtained other insurance forms that specifically excluded animal damage, and eventually resolved the case for nearly the entire repair cost.


Bat guano claims can be denied or unfairly adjusted by insurers. The attorneys of Rutter & Russin have nearly 30 years of experience helping policyholders get a full and fair settlement for their losses. Contact us today for a free consultation.

Get Started