Consider the puppy. Sure, they seem completely adorable. After all, they are fuzzy-faced, wiggly love masters of joy who regularly win the Internet. And yet, they are capable of causing damage that can exceed their cuteness.
Case in point: when a rental property owner called in a water damage claim, Melissa W., a Wyoming-based Farmers® representative, followed up for clarification. Exactly how did the tenant's new puppy cause a second-floor bathroom sink to overflow?
The puppy-parent tenants needed to run a quick errand, so they stocked a bathroom with food, water and squeaky toys, and closed the door to keep the small dog safe. They returned home to find sheets of water flowing from the second floor down the walls and stairs to the floor below. The puppy was fine, but recent renovations to the property—new cabinets, flooring and a new tankless hot water heater—were damaged, according to the water damage team called in to assess and make repairs.
As best as anyone could tell, the problem occurred when the pup leaped onto the lid of the closed toilet, hopped into the sink and not only managed to turn the water on, he also kicked in the sink stopper.
THE RESOLUTION: Although the rental property owner’s insurance policy did not cover flooding from rainwater or other sources, the Farmers claims team on this case found that "sudden and accidental" damage caused by a pet was not excluded damage in the policy. Farmers covered the cost of repairs to the property.
Get a quote
Includes personal service from a Farmers agent.
The information contained in this page is provided for general informational purposes only. The information is provided by Farmers® and while we endeavor to keep the information up to date and correct, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to this article or the information, products, services or related graphics, if any, contained in this article for any purpose. The information is not meant as professional or expert advice, and any reliance you place on such information is therefore strictly at your own risk.
Issued insurance policy documents control all claim determinations. Please read the actual policy documents for your state for important details on coverages, exclusions, limits, conditions, and terms. Not all products, coverages, and discounts are available in every state. Insurance is underwritten by Farmers Insurance Exchange and other affiliated insurance companies. Visit farmers.com for a complete listing of companies. Not all insurers are authorized to provide insurance in all states.