Bat Guano Claims

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.