Funny but wise insurance claim short story

There is a funny story of a guy who stored his sailing boat sails in a warehouse. After the winter some animal had bitten holes in his sails. The guy is smart. He decides to call his insurance company’s competitor first. He explains the situation to a salesperson over the phone and asks, in this situation would the insurance cover this. The insurance company representative responds that they will only cover the damage if the holes were made by a squirrel but will not cover if it was made by other type of rodent (due to the small print on the insurance papers). So the guy hangs up and calls his own insurance company explains how a squirrel ate holes in his sails. His own insurance company representative asks “How do you know it was a squirrel?” And the guy replies “it had a fluffy tail”.