Homeowners Insurance Going To The Dogs
Dogs and humans have coexisted for more than 12,000 years and there are currently more than 53 million dogs sharing a home with their masters. The United States has more dogs per capita than any other country in the world and you would assume from these statistics that man and animal live peacefully together.
Unfortunately, some dogs do not uphold their half of the relationship as man’s best friend, not with 4.5 million dog bites occurring each year. Insurance companies recently reported that these lapses in character on the dog’s part are costing U.S. home insurers more than $24,000 for each dog bite claim.
The dog bites can range from just a nip to very severe injuries requiring extensive and very expensive reconstructive surgery. In fact, about 20 percent of those who are bitten, around 900,000 dog bite victims, require medical attention of some degree for their injuries.
The Law Offices of Nadrich & Cohen are offering free consultations to families who have been the victims of dog bite or dog attack, or if you have an insurance company that refuses to pay a claim.
We are a contingency law firm so we only charge a fee if we obtain a recovery for you so call us now at 1.800.718.4658. While you’re at it check out this interview of our very own California dog bite expert, Jeffrey Nadrich, on Bloomberg.com
Insurance Companies Try To Escape Paying Dog Bite Claims
Insurance companies have come up with many different methods to escape paying claims for dog bite related injuries. “The responsibility for properly training and controlling a dog rests with the owner,” said Loretta Worters, vice president of the Insurance Information Institute.
“Even normally docile dogs may bite when they are frightened or when protecting their puppies, owners or food.” Insurance companies have begun charging higher premiums, if an owner has a dog that has already bitten someone.
Another practice is to exclude the pet from coverage completely, leaving the homeowner uninsured, if the dog should bite someone. Some homeowner insurance companies are even requiring dog owners to sign liability waivers for dog bites and others may cover a pet only if the owner enrolls the dog in behavioral classes.
Many Breeds Excluded From Dog Bite Coverage
If you have questions about a dog bite injury or your insurance company is balking at paying a claim, contact an experienced dog bite specialist at The Law Offices of Nadrich & Cohen today at 1.800.718.4658.
Many breeds including Akitas, Doberman pinschers, German shepherds, pit bulls and Rottweilers, are considered higher risks and homeowners insurance rates are adjusted accordingly.
In fact many cities and counties are enacting ordinances to prohibit or require insurance for certain breeds of dogs like White Sulphur Springs, Montana, which recently passed an ordinance requiring homeowners insurance to cover specific breeds of dogs.
“Health-care costs have gone up,” said Cindy Younkin, the city attorney for White Sulphur Springs, if someone is injured, “insurance provides some sort of coverage that would take care of the costs.”
Contact Dog Bite Lawyer
At The Law Offices of Nadrich & Cohen, our dog bite specialists are ready to answer all your questions. Let us help you preserve your rights and money, call now at 1.800.718.4658 and speak with a qualified dog bite lawyer, click here dog bite for more information.