[BC] Insurance question

[Mike Vanhooser novaelec*sbcglobal.net.INVALID]

One of my clients just had a transmitter failure due to mice.  They got into the high voltage section and blew the rectifiers and shorted the plate transformer.  The client had the property insured, and one of the covered losses was "Acts of Nature".  The adjuster stated that lightning would be covered, but mice weren't.  This is a well made brick building with a steel door, not something mice could easily access (but somehow did, possibly through the cable entrance, this is a cell/2-way site with lots of coax).  So their presence was not due to negligence, but simply being in the middle of nowhere, as are most transmitter plants.

Has anyone had experience with a claim of this type, and what was the outcome?  Is there some subtlty which classifies lightning but not damage from wildlife as an uncovered "Act of Nature" loss which I'm not aware of?  This is several thousand in repairs, and the client is a small mom-and-pop, with very shallow pockets.  This is why he has insurance, but as most companies, they are looking for an out.  What say the brain trust?