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GRoos
USA
8 Posts |
 Posted - 01/28/2004 : 22:33:00
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Trader,
I have paid, at the direction of the carrier, for pet boarding under the ALE Coverage. The reasoning is that since the risk was unliveable, the insured had to stay at a hotel and the pets were not allowed. Therefore, the boarding of the pets was an additional living expense which was incurred as a direct result of the loss. |
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Manmut
USA
26 Posts |
Posted - 01/29/2004 : 09:22:27
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| When I pay for contents to be moved out of a room so repairs can be made, I generally pay under the building coverage as a cost of doing the repair. So, by extension, wouldn't you simply do the same with contents moved off-site? |
Patrick W. Laws |
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trader
USA
236 Posts |
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trader
USA
236 Posts |
Posted - 01/29/2004 : 13:00:05
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| With permission I have paid for pet boarding. If the carrier states animals are not property and not insured under the Homeowners is this a correct coverage opine ? |
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CCarr
Canada
1200 Posts |
Posted - 01/29/2004 : 13:25:51
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Ray, I think it all comes down to what a person may consider as a "normal household" and a "normal standard of living", when a household is displaced from its home due to an insured peril.
Yes, in Coverage C, "animals" are an excluded property; but that has nothing to do with Coverage D (ALE). |
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sflorig
USA
24 Posts |
Posted - 01/29/2004 : 14:15:15
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I have paid pet boarding expenses many times on claims where the home is untenable.
Remember that ALE is any expense over and above the normal household expenditure that would not have been incurred if the loss did not occur.
I would therefore allow for the pet boarding and consider taking a small deduction off of the bill for food that will be included in the boarding bill. The food for the pet is the normal expense that the insured would of had to pay if the loss did not occur.
I have also had situations where I have paid for mileage for the additional travel time to work, to drop off the kids at school etc. that the insured is incurring because they have been relocated further away from these destinations in temporary housing.
Always remember that the insured's normal household expenses should be deducted from whatever ALE bills are submitted. Also remember that ALE is for expenses that have been incurred and any advances for temporary housing should be made against the UPP portion of the loss.
Many policies will also allow the option of Fair Rental Value vs. actual ALE and this is at the insured's choice. In this scenerio the insured is paid according to the fair market rental value of a house of like kind and quality instead of ALE expenses. This is sometimes easier for the insured and the adjuster. |
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trader
USA
236 Posts |
Posted - 01/29/2004 : 14:23:01
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The insured was not able to find quarters that allowed pets. Both had a small pet that slept with them. The three could not fall asleep seperated. Would the carrier move beds into the pet boarding house, or would the adjuster turn the file back. Any other solutions ?
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CCarr
Canada
1200 Posts |
Posted - 01/29/2004 : 14:33:58
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You're the puzzlemania man today Ray.
This one is simple.
(a) Board Fido at a kennel, making sure he is caged next to a Fifi
(b) Allow the expense of one Viagra pill per night for Mr. Insured
(c) and, allow the expense one one sleeping pill per night for mrs. Insured
It's a win - win, happy campers all around, and the adjuster keeps his file. |
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trader
USA
236 Posts |
Posted - 01/29/2004 : 15:46:46
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| The loss was on top of old smokie. The insured left for 24 hours. A wildfire destroyed the rail fence and 4 champion Tennesse walking horses fled into the National Park lands. Several days later all had been returned to the dwelling after one thousand man hours of horse lovers searching non stop. Insured presents his food/shelter bills, and some loss income bills to you for reimbusment as ALE cost to maintain his "normal SOL". You are the claim manager who must rule on this field adjusters submission. |
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CCarr
Canada
1200 Posts |
Posted - 01/29/2004 : 16:11:28
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A bit tough to follow Ray.
IF - the insured was gone ("left for 24 hours"), and during that time a wildfire then destroyed only the rail fence allowing the horses to run. That is, there was no ordered evacuation, the insured was gone to the casino when all this happened.
Then, "SOL" applies for sure; but it is the insured who is SOL.
It would make a good read for a claims manager if he / she wan't busy, but the field adjuster should have declined the claim at site, in a nicer way than telling the insured he was SOL.
If my "IF" was interpreted incorrectly from your intended scenario, let me know. |
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trader
USA
236 Posts |
Posted - 01/29/2004 : 16:49:41
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| You right on Clayton: Just trying slow some of the guys down from jumping into deep water. All bad things are not covered by the Homeowners. NONE of the animal. pet cost for emergency/temp care was intended to be covered. Just like slabs & mold. |
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Cecelia
USA
25 Posts |
Posted - 01/29/2004 : 17:27:20
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Many times an insured is moved into temporary housing, either a house or an apartment. If pets are not allowed by the landlord then boarding would be covered as ALE.
Other things to remember when an insured is moved into a house or apartment while their own home is being repaired:
1) Non-refundable deposits for electricity, natural gas and telephone service. Some insureds will simply use their cell phones, but if they need internet access they will need a land line.
2) Mileage payments (easily documented) for the insured to go to and from work or deliver children to and from school if the temporary house/apartment is further away from these places. Sometimes the house/apartment is closer to one and farther from the other, so it is a wash.
Just a couple of thoughts. |
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Type R 1090
Canada
14 Posts |
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trader
USA
236 Posts |
Posted - 01/30/2004 : 15:02:27
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| This will be covered when the Policy is rewitten the next time; In regards to small pets. But NSOL folks how about the car buff who had a third garage added on for his classic car that was HVAC all year and the room was damaged in the fire. How about extra expense to rent a new house for auto(excluded property) to maintain NSOL. See the consequences of paying claims that are not covered. |
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JimF
USA
1014 Posts |
Posted - 01/30/2004 : 15:08:11
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| The auto is excluded property under a homeowners policy but the garage covering it is not excluded property. I think you're confusing one thing with another. |
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Topic |
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PE vs ALE - Which Coverage does this fall into?
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