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Last Post 09/13/2009 12:14 PM by  ddreisbach
Blame it on the dog
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margar1
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08/24/2009 11:37 AM

    I was woking a water loss claim last week that was  doozie. The claim was local so I was able to inspect the loss just hours after the loss was reported. When I arrived for the inspection the insured stated that the neighbour called him while at work when he noticed water in his driveway. The insured had worked the night shift and a strong thundertorm passed through. The family dog who is terrified of storms was home alone to ride it out. When I entered the home drywall was collapsed from the second elevation and the lower elevation was standing in water in the kitchen. The patio door had been left open due to a country setting with low crime and just the screen was closed. Water had exited the dwelling and sure enough a stream was running down the driveway. The dog was upstairs and terrified of the loud thunder had jumped in the bathroom sink. The insured stated when he got home the dog had bumped the sink faucet and the water was pouring and the dog was still in the sink wet and shaking. It is probably going to amount to about a 25,000 $ loss and it is all the dogs fault.......do u beleive it ????

    I have my doubts.

     

     

    Mark S Garland
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    Leland
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    08/24/2009 12:03 PM
    You can ask a veterinarian if it makes sense.
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    Tom Toll
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    08/24/2009 1:02 PM

    Yes, I would believe it. I had a dog that was traumitized when a storm with lightning occurred. He would jump onto my lap and start shaking. This was a 90 pound Alaskan Husky. Our remaining Pomeranian is fearful of thunder. I agree it is a strange thing for a dog to do, but very possible.

    Success is not final, failure is not fatal: it is the courage to continue that counts.
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    okclarryd
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    08/24/2009 3:08 PM
    And what's so unbelievable about being afraid of th-th-thunder?
    Larry D Hardin
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    Ray Hall
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    08/24/2009 3:25 PM
    Sounds odd, because most sinks will drain even if the dogs paw was covering the main drain as the overflow will take away the flow from an open faucet. Its original I have never heard this one. Bet the whole house needed paint and carpet before the storm. Dogs would be very unusal to just dit in a sink while the water is running. I would think a dog that get,s that spooked would be in a distant closet corner.'

    how about page 9 of 22 (h) Animals owned or kept by an insured. as an excluded loss?
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    Janice R. Martin-Toll
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    08/24/2009 5:07 PM

    Mark, what breed and size dog was this blamed on?

    Janice R. Martin-Toll
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    D Groves
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    08/24/2009 5:09 PM

    Would be great if  you'd post a photo of the sink and the dog (you can draw one of those bars across his eyes to protect his identity!).

    How about approaching the cause of loss from a different perspective: let's assume the dog theory is one of convenience (maybe the dog was in the sink when the insured got home) and even that the insured believes that's what happened. If it wasn't the dog then, what was the cause of loss and is it a covered cause of loss?

    These are the kind of claims that make it fun!

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    margar1
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    08/24/2009 8:41 PM

    Janice

     

    The dog was a 2 year old border collie and adorable. The insured stated that when he got home the dog was in the sink which by the size of the dog I am suprised he actually fit in the sink. I guess the size of the dog compared to the sink could explain the overflow. I still was suprised that the dog would jump in a sink compared to hunkering in a closet. Ray..... beleive it or not the insured had just installed a high grade pergo floor a few months ago which would add to the validity of the claim ...I guess.

    Mark S Garland
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    margar1
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    08/24/2009 8:46 PM

    Del

    I actually checked out the plumbing and there were no ruptures or maintenance issues. The file examiner has approved the claim.... I spoke to the inside adjuster and his exact words to me were....We insure stupidity and freakish acts of both human and animal everyday...very funny!

    Mark S Garland
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    Goldust
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    09/12/2009 11:56 PM

    I had a claim one time where the insured laid a towel on the edge of a laundry sink and the water was running they left for vacation and the towel fell into the deep laundry sink which had no upper safety drain. The towel plugged the main drain and 4 days later they returned home to find their home soaked from the upper floor down to the main floor and also the finished basement. The dad was mad at himself for the towel and leaving the water run . The company paid the claim with no questions asked. He was a good client w/ a nationally known tool company he owned that at the time was on the stock exchange. It turned out to be a sizable claim. So you can't teach stupid, it just happens.

    JERRY TAYLOR
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    ddreisbach
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    09/13/2009 12:14 PM
    Speaking of stupid... We had some really cold weather (for Houston) during Xmas of about '90. A neighbor was leaving for a few days so, being concerned about frozen pipes, he shut off the water to the house - a 2-story with the water heater in the attic. When they returned home the first thing he did was turn the water on so his wife could get the kids ready for bed while he unloaded the car. Nobody noticed the roaring sound from the wide-open broken pipe until an upstairs ceiling fell in.

    After that cold snap the tenants of my rental properties all report that there were no problems. Three weeks later I get a call from one of them saying that there's been water running out of the garage ceiling for three weeks. They wondered if that was OK?
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