Monday, 1 March 2010
Homeowners Insurance Won’t Cover Damage from Cows
A woman, Latisha Francis, in Murfreesboro, Arkansas was in shock when she arrived home to find a cow looking at her from her front door. Three cows had waltzed into her home one day after being spooked by her dogs. The cows left the house in shambles by ruining furniture, leaving manure and making a mess throughout the entire household.
According to the Dallas News, the county sheriff and two high school teachers had to help remove the cows from the house. The cow who was already peaking out of the front door left with little hesitation. But another of the cows had to be pulled out of the house on a rug from the master bedroom and the final bovine needed to be led out of the living room.
Unfortunately for Latisha Francis, the homeowners insurance policy she has does not cover intruding cows. The damage caused by the cows will have to be covered out-of-pocket.
Intruding cows is a highly unlikely and unforeseen event. However, it may be more affordable for Latisha to pay for the ruined furniture and clean the mess herself. Her homeowners insurance premiums could have been raised if her insurance policy would have covered the claim, which would result in higher insurance costs every month.
Many homeowners can keep low premiums by avoiding small claims and making adjustments to households on their own.
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