I as soon as had three indoor black cats. One or two of them started to urinate on the furnishings. After paying over $20,000 to switch the furnishings, the cats grew to become out of doors cats. Cat urine is solely foul smelling and can’t be tolerated.
The New Hampshire Supreme Court docket presumably appreciated this when ruling that cat urine odor constituted bodily loss or harm in Mellin v. Northern Safety Insurance coverage Co., 167 N.H. 544 (2015). I’ve argued that if cat odor, which merely smells unhealthy, is roofed, then Covid, which may kill you, should represent bodily loss or harm.
Sadly, in a latest choice, the New Hampshire Supreme Court docket distinguished how cat urine odor may represent bodily loss or harm, however not Covid.1 Relating to the cat urine, the courtroom famous:
Insurance coverage commentator Invoice Wilson argued partly that Covid wouldn’t be lined as a result of it may simply be cleaned and eliminated. I can admire from private expertise that cat urine odor shouldn’t be simply cleaned and eliminated. This distinction is what the New Hampshire Supreme Court docket perceived as effectively.
The Covid authorized battles have nearly universally been received by insurers with American types. That is one other authorized win for the insurance coverage trade and appears to doom my cat urine odor rhetoric.
Thought For The Day
