You should review your policy to see if it contains the resident’s of the same household exclusion. This is a pretty standard exclusion. If you cannot find it then ask Snake farm for a written explanation of why they are denying the claim.
DISCLAIMER: David J. McCormick is licensed to practice law in the State of Wisconsin and this answer is being provided for informational purposes only because the laws of your jurisdiction may differ. This answer based on general legal principles and is not intended for the purpose of providing specific legal advice or opinions. Under no circumstances does this answer constitute the establishment of an attorney-client relationship.