The insured has a lake home, on a crawl space, crawl space is cement paved, with [4] sump pumps, that drain into the lake. The insured has had home for a number of years, with no problems; he went to visit the cottage, and noticed a strong smell in the home, and hired a contractor to go into crawl space. The contractor discovered many large dead frogs in the sump pumps, creating a strong smell.
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