I lost a blue hippo tang to the hurricane... one lady told me that i could get bereavement payment due to the loss of a pet... i did have this fish for 2 years. he was about 5 inches long, i got him when he was dime sized... was she for real?
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insurance and fish question? (1 Viewer)
- Thread starter sbfuller
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stdreb27
Guest
depends who the "one lady" is.
I am a licensed insurance agent and while I can't speak for all companies, i do know that most, if not all, will not insure pets. Just think about it. You are asking them to insure a living thing that is in your care and completely dependent on how well you take care of it. And then, even if you take great care of it, it could still die. There are just too many risks to make it profitable for them, let alone having to figure out how to underwrite such a thing.
R
Rick
Aggie05 how did you make out. I know you live close by. They wouldn't let us into Timber Cove till Tuesday, by then everything was dead.
As for the insurance, I think we are all hoping we can claim our tanks and inhabitants since it had nothing to do with the care we were providing, we all had healthy tanks. The issue was not being able to care for the tanks since we were under mandatory evacuation, and then not being able to care for the tanks because we were not allowed back in, which caused the demise. This is a little different situation since it is not a typical pet, that we can pick up and put in the back seat of the car, like I did with my dog.
Since you are an agent, can you check more into that situation for us? We were all forced into this situation.
Hmmm... maybe we could all get an aquarium on a trailer for evacuations... LOL
As for the insurance, I think we are all hoping we can claim our tanks and inhabitants since it had nothing to do with the care we were providing, we all had healthy tanks. The issue was not being able to care for the tanks since we were under mandatory evacuation, and then not being able to care for the tanks because we were not allowed back in, which caused the demise. This is a little different situation since it is not a typical pet, that we can pick up and put in the back seat of the car, like I did with my dog.
Since you are an agent, can you check more into that situation for us? We were all forced into this situation.
Hmmm... maybe we could all get an aquarium on a trailer for evacuations... LOL
R
Rick
I guess each situation is different.
My only point is that if we had been allowed to care for the pets/corals/inhabitants, they would have lived.
There were police at the entrances of certain sub division. Even if you lived there you were turned away until they finished their checks and determined it was safe for people to enter. If you were caught you could be arrested or heavily fined.
I'm sure we'll all find out soon enough, and you are probably right, since insurance companies tend to hit you with multiple deductibles and have loop holes for just about everything.
My only point is that if we had been allowed to care for the pets/corals/inhabitants, they would have lived.
There were police at the entrances of certain sub division. Even if you lived there you were turned away until they finished their checks and determined it was safe for people to enter. If you were caught you could be arrested or heavily fined.
I'm sure we'll all find out soon enough, and you are probably right, since insurance companies tend to hit you with multiple deductibles and have loop holes for just about everything.
G
Guest
Usually they would have to be covered....
I trained under allstate and know that they will not insure tank inhabitants, only the tank and equipment itself.
As for myself Rick, we were extremely lucky. Water got close, but not in our home, and we suffered no wind damage to the home. Just some downed trees like everyone else. I did lose my tank however, and will probably start a fresh water tank for the time being.
As for myself Rick, we were extremely lucky. Water got close, but not in our home, and we suffered no wind damage to the home. Just some downed trees like everyone else. I did lose my tank however, and will probably start a fresh water tank for the time being.
R
Rick
Sorry to hear that...,
I'll probably get back into it but will probably go very slowly on the re-stocking.
I know your right, but I'm not willing to admit defeat yet, and plan on giving our insurance company an ear full.... :-D Will make me feel better anyways.
Let me know if you need any trees cut up. I went out and bought a chain saw, and was out all weekend cutting up trees, clearing out flooded houses, and mucking them out, tearing out carpet dry wall etc.
I'm planning on going home tonight and checking around in our neighborhood. A lot of the folks are 70 to 90 year old retirees since the home were built in the early 60's Still a lot to do out here.... As I'm sure there is in your own neighborhoods.
I'll probably get back into it but will probably go very slowly on the re-stocking.
I know your right, but I'm not willing to admit defeat yet, and plan on giving our insurance company an ear full.... :-D Will make me feel better anyways.
Let me know if you need any trees cut up. I went out and bought a chain saw, and was out all weekend cutting up trees, clearing out flooded houses, and mucking them out, tearing out carpet dry wall etc.
I'm planning on going home tonight and checking around in our neighborhood. A lot of the folks are 70 to 90 year old retirees since the home were built in the early 60's Still a lot to do out here.... As I'm sure there is in your own neighborhoods.
BayAreaAquarium
Guest
Hi Aggie05. I know that everyone is going to have an opinion and to be honest it is going to always depend on the insurance company that you have. But, if you guys look at what you are all talking about you can see that everything is different. Here is what i mean.
If a tree falls down on your roof, your shingles fly off, or the storm just plain rips your roof off of your house. The end result is that you are going to have interior damage to your home. The insurance company is responsible for all damages due to that if you have the proper insurance to cover that. The your insurance is going to cover up to the amount that is listed or detailed in your insurance policy.
As for Shane's tank that cracked and damaged the floor and anything else. That isn't anytype of wind, fire, or storm damage. So your insurance is going to try and get out of paying anything that they can. From saying no we don't cover that to you should take that up with the tank manufacturer. Again the initial fault isn't what your insurance was designed to cover.
The insurance doesn't come down to how something is cared for or how healthy it is or was. Remember if you get insurance in case of a fire and there is a fire you just have to get a list or provide pictures to prove what you had in it to get money back.
Bottom line if you have damages that is caused by a leaking roof. It could be shingles missing or a totally damaged roof the insurance company has to pay for the damages caused by that.
By the way I'm also insuranced licensed and have been since 1994. Both with P and C (Property and Causaulty) as well as Life and Health.
If a tree falls down on your roof, your shingles fly off, or the storm just plain rips your roof off of your house. The end result is that you are going to have interior damage to your home. The insurance company is responsible for all damages due to that if you have the proper insurance to cover that. The your insurance is going to cover up to the amount that is listed or detailed in your insurance policy.
As for Shane's tank that cracked and damaged the floor and anything else. That isn't anytype of wind, fire, or storm damage. So your insurance is going to try and get out of paying anything that they can. From saying no we don't cover that to you should take that up with the tank manufacturer. Again the initial fault isn't what your insurance was designed to cover.
The insurance doesn't come down to how something is cared for or how healthy it is or was. Remember if you get insurance in case of a fire and there is a fire you just have to get a list or provide pictures to prove what you had in it to get money back.
Bottom line if you have damages that is caused by a leaking roof. It could be shingles missing or a totally damaged roof the insurance company has to pay for the damages caused by that.
By the way I'm also insuranced licensed and have been since 1994. Both with P and C (Property and Causaulty) as well as Life and Health.
BayAreaAquarium
Guest
Hey Aggie05 please don't take this as an attack. I just re-read my post and saw that it could be mistaken as a personal attack. I don't mean it that way. All I'm trying to do is clearify that insurance does and will cover the cost of tank inhabitians depending upon the way in which is happened. Tank lost due to a damaged home that then causes additional damages is usually covered in your homes policy. If your home is ok and all that happened is that you lost your electricity and that was the cause of your tank lost that probably will not be covered in your insurance.
For everyone, please just remember what caused the damage and see if you have coverage for that.
For everyone, please just remember what caused the damage and see if you have coverage for that.
tas5tas
Guest
Just to help clear up some questions......my adjuster said they would cover all losses under our contents insurance as long as we had a detailed list of all damages incurred. I specifically asked about my reef tank and the corals and fish that were lost and was told verbatim "Just have a detailed list when the adjuster arrives at your home and everything will be covered under your current policy" We have our insurance through Foremost.
Minh, you are correct. If your homes roof is ripped off then your tank should be covered. But if your tank died due to a loss of power, it will not be covered. I think the latter is what far more people on this site had happen. Including myself. But, with all that said, there is no harm in trying to get it covered.
PygmyAngel
Guest
I have TX Windstorm in addition to my Nationwide Homeowners policy. My agent told me that since the wind and wind driven rain is what caused the power to go out and shingle damage, etc. then that would be covered under the TX Windstorm policy and not the regular homeowners' policy.
I told her about my reef loss due to the power loss, and she said since the power loss was due to the windstorm, it should probably be covered, but she is just my agent, not the adjustor. She emailed my claim to the TX Windstorm people and an adjustor still has to come out....so we'll see. I'm not holding my breath though....
Also, I put in a claim with my Nationwide policy too, anyway, as I didn't even realize at first that I had two different policy #s (one for Nationwide and one for my TX Windstorm), so I'm glad I talked to my agent.
I don't expect anything, and my deductibles probably will cost me too much anyway. But I have pics of before and after....and all they can say is 'no'....
I told her about my reef loss due to the power loss, and she said since the power loss was due to the windstorm, it should probably be covered, but she is just my agent, not the adjustor. She emailed my claim to the TX Windstorm people and an adjustor still has to come out....so we'll see. I'm not holding my breath though....
Also, I put in a claim with my Nationwide policy too, anyway, as I didn't even realize at first that I had two different policy #s (one for Nationwide and one for my TX Windstorm), so I'm glad I talked to my agent.
I don't expect anything, and my deductibles probably will cost me too much anyway. But I have pics of before and after....and all they can say is 'no'....
xskyzx
Guest
my tank is at the shop and is gone, i called the insurance agent and they told me to take pics, and he will take care of it. so...
