Is Honey from bees in the walls covered?

This may seem like a strange question. It was to us as we have never heard of this problem before.

A client called us with a dilemma.  About four weeks ago they had a service come and remove a beehive.  The removal company mentioned they should be on the lookout for honey, perhaps that was why the hive was formed.

Our client then noticed about four weeks later, there are stains in his walls and is worried there is honey stored in between his kitchen and garage.  He is wondering is this a covered loss under his homeowners policy as it is doing damage to his property?

We took this information to our sources to see if the client is covered and discovered that NO a loss due to this problem is not covered.

Specifically, Insurance Services Office (ISO) Homeowners Policy (HO) excludes birds, rodents or insects and nesting or infestation, or discharge or release of waste products or secretions by animals.

While the ensuing losses not otherwise excluded are covered, since bees live in the hives the leakage of honey is not ensuing, it is a direct loss.  THERE IS NO COVERAGE.

Published by

AJR1630

Local AZ Public Insurance Adjuster with over 30 years experience, representing property/business owners with insurance claims to maximize recovery after a fire, water loss, theft, hail, etc. Always No Fee for Consultation!!

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