As some of you may know, I've had my house and cars damaged by hail back in May. Im insured with Travelers and have had them from day one, when I bought my house, 10 years ago. I've never had a claim with them until May and that was just a CAT claim, can't control that. The repairs were completed about a month ago and they sent someone out to do the final inspection in order to release the final check.
I have 4 dogs that are Golden Retriever mix, not sure with what. They are outside dogs, three of them stay in my back yard. I've built a 10x10 shed for them back there. The other one is over by my garage section, they are separated by a chain link gate. They are not aggressive or vicious. I've had two pit-bulls climb my 6' foot privacy fence last year and attack them and they didn't even fight back, just laid on the ground.
Ok so two weeks ago this lady shows up, in crutches. She says shes from the Insurance and she is here to collect pictures of the work completed on the house. I say sure, come on in. I show her where the damage was and what they fixed. She started taking photos. We now go outside, The dog that is by the garage area sniffs her legs and tries to lick her hand as soon as we walk outside and I can tell that this lady is tensing up. I reassured her that he will not bite. The dogs do look mean but are the very opposite. The three in the back, I locked them up in their yard out of the way so they don't lick her to death or bother her while she's doing her thing not because they will bite someone. She gets done and leaves.
Two days ago I get a letter stating this:
WRITTEN NOTICE IS GIVEN TO YOU AS: THE NAMED INSURED.
We wish to inform you that your policy designated above will not be continued at the expiration of its current policy period on 10/27/2010 at the hour on which the policy became effective. If you have any questions regarding this notice, please contact your agent or insurance representative.
We are nonrenewing your policy because the risk does not meet our minimum underwriting requirements as described below:
There are vicious and or aggressive dogs on the premises.
I call, explain to them that I've been their customer for 10 years and I 've had only one claim, a CAT claim or Catastrophe claim. I asked if that lady is a dog expert or has training to determine if a dog is aggressive or vicious just by looking at one? They said no, our employees are not trained to do such a thing. I then asked what made her bring such allegation forth? She said that she would contact her and ask her. I told her that I was with her the entire time and my dogs didn't even bark at her, not alone act aggressive or vicious as she put it.
Is this amazing or what. Not sure what to do at this point. I guess I'll wait and see. Just thought I would share this ridiculous issues I'm dealing with right now. Im sorry for the long read.
I have 4 dogs that are Golden Retriever mix, not sure with what. They are outside dogs, three of them stay in my back yard. I've built a 10x10 shed for them back there. The other one is over by my garage section, they are separated by a chain link gate. They are not aggressive or vicious. I've had two pit-bulls climb my 6' foot privacy fence last year and attack them and they didn't even fight back, just laid on the ground.
Ok so two weeks ago this lady shows up, in crutches. She says shes from the Insurance and she is here to collect pictures of the work completed on the house. I say sure, come on in. I show her where the damage was and what they fixed. She started taking photos. We now go outside, The dog that is by the garage area sniffs her legs and tries to lick her hand as soon as we walk outside and I can tell that this lady is tensing up. I reassured her that he will not bite. The dogs do look mean but are the very opposite. The three in the back, I locked them up in their yard out of the way so they don't lick her to death or bother her while she's doing her thing not because they will bite someone. She gets done and leaves.
Two days ago I get a letter stating this:
WRITTEN NOTICE IS GIVEN TO YOU AS: THE NAMED INSURED.
We wish to inform you that your policy designated above will not be continued at the expiration of its current policy period on 10/27/2010 at the hour on which the policy became effective. If you have any questions regarding this notice, please contact your agent or insurance representative.
We are nonrenewing your policy because the risk does not meet our minimum underwriting requirements as described below:
There are vicious and or aggressive dogs on the premises.
I call, explain to them that I've been their customer for 10 years and I 've had only one claim, a CAT claim or Catastrophe claim. I asked if that lady is a dog expert or has training to determine if a dog is aggressive or vicious just by looking at one? They said no, our employees are not trained to do such a thing. I then asked what made her bring such allegation forth? She said that she would contact her and ask her. I told her that I was with her the entire time and my dogs didn't even bark at her, not alone act aggressive or vicious as she put it.
Is this amazing or what. Not sure what to do at this point. I guess I'll wait and see. Just thought I would share this ridiculous issues I'm dealing with right now. Im sorry for the long read.
