Expert: Charlie Barone - 2/26/2010

Question
I have a 4 month old Ford Flex Limited with leather interior.  A cat uninated on the passenger seat.  The smell is absolutely unbearable.  I've called car washes, searched internet, there doesn't seem to be a good way to remove the odor.  I have tried many things already!  Is it possible to file an insurance claim to have the seat replaced for this type of damage?  I can't imagine driving this car for the duration of the lease with this smell.  Thanks in advance for your time.

Answer
Tammy,

You need to read your policy for language which would specifically exclude claims for pet damage or infestation. Many property and casualty companies will issue policies with specific exclusions for this kind of damage. However, if you see no language within the policy excluding such then call your agent to file a comprehensive claim for the damage.

Charlie