The evolution of similar insulating skin covering such as fur, hair and feathers in mammals and birds is a result of homology.
Homologous structures are those structure that are similar in origin, similar development, similar internal structure but shows different external form and their functions.
The organisms having homologous structures share a common ancestors.
The forelimbs of mammals and birds, the skin covering like hairs, fur and feathers are examples of homologous structures.
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