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Found out new master condo insurance policy has dog restrictions. Strange, but true.
One unit has a MIXED-BREED dog whose doggie DNA came back 1/4 American Staffordshire and two other aggressive breeds. Only 1/4 fluffy breed. The dog has been known to attack other dogs and lunge on lead at other tenants when exiting the property. Owner has really messed the dog up, but at least it has a home, amiright?
When the new insurance underwriter was inspecting the property, they noticed the big "Beware of Dog" signs the unit put in their windows. The underwriter also stepped in dog poop in the yard.
Oops. No denying there's a dog on the property.
I was asked by the underwriter what kind and said some mix--smallish. 30 or pounds.
Underwriter said they had breed restrictions and needed to know.
Dog owner did the doggie DNA and it explains why Snoogums is 'selectively friendly' to others.
Now that the association knows, how does it work with insurance policies for mixed breeds and these breed restriction policies?
I know we've got to inform the insurance company, but I'd like to know what we're walking into.
Thanks for any feedback!
Last edited by flowbe202; 12-24-2015 at 12:25 PM..
Reason: Mixed-breed dog, not a single breed.
A breed is "restricted" when the insurance company says so.
Is this insurance for your unit or the condo master policy.
If it's for you, I can't imagine why you'd have a "restricted breed" waiver on your policy if you don't have that dog. The master policy may be different.
What that restricted means is that if the dog causes damage or injury the insurance won't cover the damages. It's like when you have an excluded person on your car insurance. They're not covered if they drive your car and have an accident (but you would be personally liable if you allowed them to drive it). My oldest son was excluded from out car insurance after a couple speeding tickets and a nasty accident (no injuries).
EDIT: Sorry, I reread and see it's the master policy. You may wish to seek a lawyer's take on this. The last thing you need is for Snoogums to chew on someone's leg on community property and have the association liable for it.
It's not worth the association's $$ for lawyers. We'll be informing the underwriter. Just wondering what other people have experienced or if there are any insurance people online who can pipe in on this.
The policy is what it is. Not fighting it. Not arguing the 'rightness' of BSL policies. I love dogs. But, this is business and the insurance folks are not a non-profit. Totally respect that.
This happened to a condo once for me. The insurance company said they were dropping us in 60 days and to find someone else. We couldnt find anyone else that didnt have the same rule. We told the homeowner to get rid of the dog, and they did.
It's not worth the association's $$ for lawyers. We'll be informing the underwriter. Just wondering what other people have experienced or if there are any insurance people online who can pipe in on this.
The policy is what it is. Not fighting it. Not arguing the 'rightness' of BSL policies. I love dogs. But, this is business and the insurance folks are not a non-profit. Totally respect that.
Ok, but it might be money well spent. A follow on poster said that the individual in his development with a prohibited breed was informed and got rid of the dog. What happens if your guy doesn't? You'll have to sue him.
You might want to know your options now instead of later, especially if the offender's dog magically becomes a service animal.
This is nothing new. Insurance policies have had breed restrictions for years. Every year our insurance company calls us and sends a letter about our dogs. We don't have any of the restricted breeds, but we have to sign the letter stating that we don't. We aren't covered if we acquire one either.
You might want to know your options now instead of later, especially if the offender's dog magically becomes a service animal.
Oh, if you only knew the dog... The odds of anyone believing that is miniscule. We've already had issues with the dog.
Again, feel bad for the dog--only innocent here.
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and two other aggressive breeds. Only 1/4 fluffy breed. The dog has been known to attack other dogs and lunge on lead at other tenants when exiting the property. Owner has really messed the dog up, but at least it has a home, amiright?
Oh, if you only knew the dog... The odds of anyone believing that is miniscule. We've already had issues with the dog. 
