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coverageT
USA
4 Posts |
 Posted - 03/06/2004 : 11:48:50
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Trader,
Our company takes the position that animals, birds, and fish are not covered per HO and DP forms. Therefore, we do not pay this.
Tony |
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william s cook
53 Posts |
Posted - 03/06/2004 : 18:46:36
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I guess that means that the gas and auto expense to go visit and pet the poor abandoned feeling animal is another extra expense that is not covered under the policy?
William S Cook |
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KileAnderson
USA
875 Posts |
Posted - 03/06/2004 : 20:38:36
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| I've only heard of the pet boarding issue once and when it came up, the company gladly paid it. No questions asked. |
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JimF
USA
1014 Posts |
Posted - 03/06/2004 : 23:16:31
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READ THE POLICY.
Animals (inluding pets) are not covered (for direct physical damage to the animal)
HOWEVER (or BUT). When the animal (pet) is part of the household, coverage is extended for additional expenses to care for the animal (pet) which is part of the household under ALE.
And if you disagree with this position, then PLEASE quote any exclusion from the HO-3 policy wherein you base your reasoning and logic. (It's simply not there).
If you don't agree with this position, you might want to at least consider reviewing the position of the FC&S service (THE definitive resource for policy interpretation for the carriers in America), which is that additional costs of pet care as an additional or extra expense, is in fact, covered under the ALE section of the HO-3 policy.
If an adjuster or carrier wants to interpret the policy otherwise, fine. Just be aware that you're interpreting the policy wrong. It really is more clear than you think, IF, you would only take time to read it. |
Edited by - JimF on 03/06/2004 23:21:44 |
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PE vs ALE - Which Coverage does this fall into?
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