Home Owners Cancelled

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Feb 1, 2012

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Insurance Question from Andover, MA

Asked on 02/01/2012

Home Owners Cancelled In June, my dog nippped the calf of the woman opening our pool. Both the woman and her husband agreed the skin was not broken and she was fine. She was seen around the neighborhood many times over the next few weeks working on other pools. Two weeks later her husband called saying that they were in the ER as her leg was bothering her.We called the Insurnace co & now a claim is pending. It is now 2/1 and the insurance company has notified us that they are cancelling us, if we do not get rid of the dog. Can we dispute this since we agreed the skind was not broken. If so, how ?

Answer given on February 01, 2012

Unfortunately, dog bite issues can be very expensive for an insurance company. Most of the cmpanies have the opinion that their policyholders get one dog bite. They will then advise that the dog must be gone or they will cancel the insurance.It is a shame the person who was bitten took the opportunity to turn it into an insurance claim when they originally agreed that there was no significant injury. However, you can’t prove that the woman was not injured and that it just showed up later. That can happen. It can also be an expensive settlement for the insurance company since the woman will most like want not just her medical bills but additional compensation.Hopefully you can find someone who will take the dog or you can get help through the Humane Society to find him a home. You will need to be honest about the bite, since it can affect someone else’s situation if the dog were to bite someone again.

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