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 Posted: Tue Jun 30, 2009 9:27 pm Post subject: We had a dog sitter |
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| We had a dog sitter who left our dogs unattended for a few days. They urinated on our carpets and we can not clean it out. Does anyone know if our home owners insurance will cover this? Is carpet "pro-rated" for use or do they just replace it if it is covered? |
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jackie
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| Posted: Tue Jun 30, 2009 10:33 pm Post subject: |
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| You have a deductible. Have you contacted a professional carpet cleaning company to see if they can get it out? I'm betting that they can. |
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tcope
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| Posted: Wed Jul 01, 2009 2:05 am Post subject: |
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Unfortunately, this is not covered by your homeowners insurance. Damage to the insured premises caused by domestic animals owned by the insured is specifically excluded and will not be compensated.
The only possible (and I stress possible) but unlikely avenue would be the sitters' liability coverage. That's incredibly unlikely, but certainly possible.
Sorry 'bout that.
InsTeacher 
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InsTeacher
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| Posted: Wed Jul 01, 2009 11:19 am Post subject: |
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Okay, I'm confued 
According to Tcope the insurance company might cover the loss however a disductible would apply but Teacher has to say that damages caused by pets are not covered under homeowners insurance plan.
Is it a company to company thing? |
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kelvin
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| Posted: Wed Jul 01, 2009 2:03 pm Post subject: |
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| Quote: | | According to Tcope the insurance company might cover the loss however a disductible would apply but Teacher has to say that damages caused by pets are not covered under homeowners insurance plan. |
Why are you confused at this one?
I believe tcope has just reminded him of the deductible that he'd agreed upon signing for the policy. Tcope has no doubts regarding the application of home owners coverage.
On the other hand, tcope has suggested a nice way out through consulting a carpet cleaning company.
Steven |
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steven
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| Posted: Wed Jul 01, 2009 3:16 pm Post subject: |
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| Quote: | | Is it a company to company thing? |
InsTeacher is of course, correct.... it's not covered. I don't know the property policies that well and still need to read them. I did not do that before posting as I'm betting the insured's deductible would have made a claim moot anyway. Certainly a lack of any coverage does this as well.  |
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tcope
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| Posted: Thu Jul 02, 2009 2:03 am Post subject: |
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Hey tcope- thanks for the acknowledgment, and thanks for looking to the insurance contract for clarification. That's why you're an expert- you understand that none of us knows everything.
To the OP- damage to the carpet is usually fixable. Dog pee is easier, by far, to eliminate (get the pun there?) from carpeting than cat pee, so be thankful it was Fido instead of Fluffy.
There are hordes of carpet restoration companies out there that can easily and permanently get rid of the problem. I've dealt with losses where the carpeting was soaked and filthy with ash from a fire, and the restoration company made it look brand new, and there was no smoke or other odor remaining. I was amazed.
I also agree with tcope- this would be, if covered (and remember- it's not), under your deductible in most cases. Unless you're carrying a $100 deductible, which is highly unlikely, the insurance wouldn't pay anyway. Besides- you shouldn't make a claim for this...trust me- this will raise some red flags in your underwriter's eyes if you did.
InsTeacher
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InsTeacher
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| Posted: Thu Jul 02, 2009 7:26 am Post subject: |
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Hey Tcope and Teacher, thanks for clearing my doubts. You both are experts and everyday we are learning new things because of you guys.
Anyway, I'm again in trouble
| Quote: | | Besides- you shouldn't make a claim for this...trust me- this will raise some red flags in your underwriter's eyes if you did. |
Why would it raise a red flag?
Sorry, but I can only attach red-flag with shady deals (may be I'm shortsighted), but what the OP is claiming is valid. Her dogs indeed have spoiled the carpet, why would the insurance company then suspect it? |
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kelvin
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| Posted: Thu Jul 02, 2009 10:11 am Post subject: |
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Jackie, as you've figured by now..no coverage in fact in all HO policys I've see this is specifically excluded, (as our esteemed ins. teacher pointed out)...to add drama to the question...if your dogs did this to neighbor's carpet..your policy would cover it..under your liability...Kind of the same as with your kids...If Jr. drops kool-aid on your carpet and stains it (ever try and get red kool aid up?) no coverage ...however, if he stains the neighbors carpet...yep, your liability coverage on your HO would pay..(if you allowed it to be filed and didn't pay it out of pocket)
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Lori
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| Posted: Thu Jul 02, 2009 11:14 am Post subject: |
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| Quote: | | Is carpet "pro-rated" for use or do they just replace it if it is covered? |
Well, I don't think the damages in the carpet are exactly like floor damages. Don't you think it's easy to replace the damaged portion of your floor than that of your carpet?
Would it be acceptable to you if it's pro-rated?
Steven |
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steven
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