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(Omaha World Herald)   American Family Insurance drops police officer from their homeowners insurance because they think the fact he lives with his partner, a trained police dog, is "too risky"   (omaha.com) divider line 73
    More: Asinine, American Family Insurance, homeowners insurance, police officers, police dogs  
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4884 clicks; posted to Main » on 24 Oct 2012 at 11:57 AM (1 year ago)   |  Favorite    |   share:  Share on Twitter share via Email Share on Facebook   more»



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2012-10-24 11:58:46 AM
I think you mean...too frisky.

/Squirrel !!!
 
2012-10-24 12:00:24 PM
Have you SEEN how much damage those dogs cause?

upload.wikimedia.org
 
2012-10-24 12:00:42 PM
I'll be in my Lab.
 
2012-10-24 12:01:59 PM
The dog has made several enemies on the streets over the years, and once they are released might just come looking for payback.
 
2012-10-24 12:02:17 PM
Police dogs are uncontrollable weapons.
 
2012-10-24 12:02:25 PM
Yes because all dogs are vicious pit bulls, even the ones that aren't pit bulls.

\Your chihuahua wants his one microgram of flesh, now dammit!!!!
 
2012-10-24 12:03:42 PM
We are employing dogs to sniff out our citizen's cannabis.
 
2012-10-24 12:04:29 PM
Having been bitten on the head by a German Sheperd as a child... I would have to agree.
 
2012-10-24 12:04:43 PM
 
2012-10-24 12:05:52 PM
Sounds like someones agents are going to start being pulled over. A lot.
 
2012-10-24 12:07:21 PM
Wow. I could understand a pitbull or something, but this is a highly trained police dog. I am dumbfounded by this sheer act of stupidity.
 
2012-10-24 12:07:33 PM

Grapple: Having been bitten on the head by a German Sheperd as a child... I would have to agree.


I was bitten on the ass by a mutt when I was a kid, and you don't see me getting huffy about it.
 
2012-10-24 12:09:25 PM
My homeowner's insurance dropped me over having a rottweiler/mastiff mix that I rescued from the Humane League. What made it odd was prior to the mix my dogs had been: akita/malamute mix, malamute, pure bred rottweiler. The rotty died and a month later I rescued the mix, the home owners insurance dropped me over that. The purebred rotty rescued from an abusive breeder was apparently no issue, the mix with a clean history as a family pet (owners couldn't afford her anymore and had to give her up) was the deal breaker.

/my new insurance agent has a pitbull, so I'm not worried
 
2012-10-24 12:09:30 PM

BarleyGnome: Police dogs are uncontrollable weapons.


Well, they are if they attack a mother who's standing on the sidelines. If you bark back at them then they're just cute little cuddly things and you're being mean to them. And if, God forbid, you shoot one of them in a firefight, then they were Mighty Police Officers who died in the line of duty. In this country, you'll get more time for shooting a police dog than you will for murdering a 12 year old for bike parts.
 
2012-10-24 12:10:25 PM
So get insurance with a real insurance company.
 
2012-10-24 12:10:58 PM
I'm currently training police cats.
 
2012-10-24 12:15:23 PM
Yeah. Well, the police guy is paying maybe $1,000 - $2,000 at most for the insurance. Liability limit is probably at $300,000. Dog is one of the breeds that are delineated, very distinctly, in insurance company underwriting guidelines as being unacceptable under underwriting guidelines. Agent exceeded binding authority when binding policy. Probably, the question was never asked of the officer whether or not he had "pets." Company discovered doggy/liability problems on post-binding contractually allowed property inspection ordered by the insurance company. On discovery, pending cancellation of policy was sent per company and State statutory guidelines. Non-story. Business as usual. Derp.
 
2012-10-24 12:15:55 PM
I hope the entire FOP in Omaha drops this insurer and makes national news over this. I wonder how many K9 units have American Family as their insurer....

Farking absurd. One of my good friends is a K9 officer in Dekalb County and his dog is the nicest and best behaved German Shepherd I have ever seen.....unless he gives the attack command. No reason to suddenly drop him from insurance.
 
2012-10-24 12:16:06 PM
We all know they are all manchurian candidates just waiting for an opportunity to pounce on someone.
 
2012-10-24 12:17:48 PM
He's a cop. Just shoot the dog, problem solved.
 
2012-10-24 12:18:10 PM
Is this that "slippery slope" that homophobes are always talking about?
 
2012-10-24 12:18:41 PM
With the current crop of cops, we no longer need dogs.

Won't somebody think of the poor dogs.

/anybody else got a problem with abusing dogs on people?
 
2012-10-24 12:18:56 PM
I'm not going to argue that what the insurance company did was right. But, given that insurance companies are seeking to avert any risk, I can understand their apprehension about insuring a house where a dog that is trained to attack is living. What happens if the officer is out for a nice dinner with his family, the dog is home alone, someone breaks in and, during a burglary, provokes the dog? You know that the burglar's lawyer is going to have a field day with that. Regardless of the fact that the county insures the dog, no self-respecting shyster would omit the homeowner's policy holder from the enormous lawsuit.
 
2012-10-24 12:20:30 PM

The Southern Logic Company: I hope the entire FOP in Omaha drops this insurer and makes national news over this. I wonder how many K9 units have American Family as their insurer....

Farking absurd. One of my good friends is a K9 officer in Dekalb County and his dog is the nicest and best behaved German Shepherd I have ever seen.....unless he gives the attack command. No reason to suddenly drop him from insurance.


IT IS A DOG.

/you know, 4 legs, teeth, bark, bark
 
2012-10-24 12:21:59 PM
You buy the idea of being insured, not actual insurance.
 
2012-10-24 12:22:39 PM

lantawa: Yeah. Well, the police guy is paying maybe $1,000 - $2,000 at most for the insurance. Liability limit is probably at $300,000. Dog is one of the breeds that are delineated, very distinctly, in insurance company underwriting guidelines as being unacceptable under underwriting guidelines. Agent exceeded binding authority when binding policy. Probably, the question was never asked of the officer whether or not he had "pets." Company discovered doggy/liability problems on post-binding contractually allowed property inspection ordered by the insurance company. On discovery, pending cancellation of policy was sent per company and State statutory guidelines. Non-story. Business as usual. Derp.


That dog is not a pet and does not belong to the officer. Even if the agent has asked those questions, the correct answer would have been "no". Better for the agent/company to be asking if any animals are owned by the insured OR kept on the residence premises.

You don't feel that the deputy has a point - that the dog is not owned by him but by the county and therefore liability for the dog is covered by the county? That proving to his insurance carrier that they don't have liability exposure due to the dogs actions wouldn't be enough to have them overturn their decision?
 
2012-10-24 12:23:18 PM
Business makes business decision? Farking outrageous! Hang them from
the city walls!
 
2012-10-24 12:23:52 PM

Mr. Right: I'm not going to argue that what the insurance company did was right. But, given that insurance companies are seeking to avert any risk, I can understand their apprehension about insuring a house where a dog that is trained to attack is living. What happens if the officer is out for a nice dinner with his family, the dog is home alone, someone breaks in and, during a burglary, provokes the dog? You know that the burglar's lawyer is going to have a field day with that. Regardless of the fact that the county insures the dog, no self-respecting shyster would omit the homeowner's policy holder from the enormous lawsuit.


You always crack me up.
 
2012-10-24 12:26:18 PM

snocone: The Southern Logic Company: I hope the entire FOP in Omaha drops this insurer and makes national news over this. I wonder how many K9 units have American Family as their insurer....

Farking absurd. One of my good friends is a K9 officer in Dekalb County and his dog is the nicest and best behaved German Shepherd I have ever seen.....unless he gives the attack command. No reason to suddenly drop him from insurance.

IT IS A DOG.

/you know, 4 legs, teeth, bark, bark


i.imgur.com
"Not shot, dog bite. Woof woof, not bang bang."
 
2012-10-24 12:26:38 PM

jfivealive: I'm currently training police cats.


How is that working out for you?

/Then again they start out fat and lazy so it should be a quick slide over into police work.
//I keed! I keed!
 
2012-10-24 12:26:44 PM
Insurance companies can do those kind of things because it's a private company and not a public company.
 
GBB
2012-10-24 12:27:10 PM
 
2012-10-24 12:30:16 PM
Insurance companies suck because you can be a good customer for years, always pay your premiums on time, and never ever have had a claim, but God help you when you do -- they fight you tooth and nail to avoid paying anything -- which ironically is the very reason for their existence.

You have to hire a g*d-d*mn lawyer nowadays to get something you've paid for and that the insurance co. should be happy to help you with.

Fark those a-holes!
 
2012-10-24 12:32:56 PM
Oops, random codes activated the door activation mechanism, just when the cop was in the toilet messing with his pants.

Link

/I think this is what police dogs are trained to do when a door randomly opens in the back of a k9 squad car.
 
2012-10-24 12:35:06 PM

KrustyKitten: lantawa: Yeah. Well, the police guy is paying maybe $1,000 - $2,000 at most for the insurance. Liability limit is probably at $300,000. Dog is one of the breeds that are delineated, very distinctly, in insurance company underwriting guidelines as being unacceptable under underwriting guidelines. Agent exceeded binding authority when binding policy. Probably, the question was never asked of the officer whether or not he had "pets." Company discovered doggy/liability problems on post-binding contractually allowed property inspection ordered by the insurance company. On discovery, pending cancellation of policy was sent per company and State statutory guidelines. Non-story. Business as usual. Derp.

That dog is not a pet and does not belong to the officer. Even if the agent has asked those questions, the correct answer would have been "no". Better for the agent/company to be asking if any animals are owned by the insured OR kept on the residence premises.

You don't feel that the deputy has a point - that the dog is not owned by him but by the county and therefore liability for the dog is covered by the county? That proving to his insurance carrier that they don't have liability exposure due to the dogs actions wouldn't be enough to have them overturn their decision?


The deputy (along with you) has a very good point. I'd assume that the insurance company's underwriters took this scenario to the company's attorneys, and that the company's attorneys came to a decision that liability existed, and thus disagree with your and the officer's premise. It is a good arguing point, but obviously did not prevail per a legal review. Business as usual.
 
2012-10-24 12:35:15 PM
Does anybody else think automatically think fundie christian hate group when hearing about an organization with the term "American Family" in its name?

They should rebrand.
 
2012-10-24 12:35:29 PM
hmm.

cops

insurance companies.

it's like deciding between a shiat sandwich and a turdburger
 
2012-10-24 12:37:14 PM
American Family Insurance..what's in a name?



reminds me of a certain political party
 
2012-10-24 12:37:33 PM
I find a cop complaining about unjustly applied 'because we said so' force mildly amusing.
 
2012-10-24 12:37:49 PM

lantawa: Dog is one of the breeds that are delineated, very distinctly, in insurance company underwriting guidelines as being unacceptable under underwriting guidelines.


Or not.

FTFA: The company's prohibited breeds are Akitas, American pit bull terriers, Chows, Rott-weilers and wolf mixes, Witmer said.

\Belgian Malinois are really just a variation on the German Shepherd.
 
2012-10-24 12:38:19 PM

Cold_Sassy: Insurance companies suck because you can be a good customer for years, always pay your premiums on time, and never ever have had a claim, but God help you when you do -- they fight you tooth and nail to avoid paying anything -- which ironically is the very reason for their existence.

You have to hire a g*d-d*mn lawyer nowadays to get something you've paid for and that the insurance co. should be happy to help you with.

Fark those a-holes!


Sometimes true....sometimes not true.....it's an enormous industry with countless outcomes on claims.
 
2012-10-24 12:43:01 PM

LoneWolf343: Grapple: Having been bitten on the head by a German Sheperd as a child... I would have to agree.

I was bitten on the ass by a mutt when I was a kid, and you don't see me getting huffy about it.


I was playing video games at my friends house when I was a kid, his Dalmatian walked right over to me and nipped me above my eye. I had to go to he hospital and get stitches. I encountered another one at my friends house a couple years ago and was still apprehensive about going anywhere near that dog. His dog was farking mean, that probably drilled the idea in my head that Dalmatians are evil.
 
2012-10-24 12:44:23 PM

Cold_Sassy: Insurance companies suck because you can be a good customer for years, always pay your premiums on time, and never ever have had a claim, but God help you when you do -- they fight you tooth and nail to avoid paying anything -- which ironically is the very reason for their existence.

You have to hire a g*d-d*mn lawyer nowadays to get something you've paid for and that the insurance co. should be happy to help you with.

Fark those a-holes!


You had the wrong insurance company. Sometimes you get what you pay for. State Farm replaced our whole roof after wind damage, and USAA didn't bat an eye at storm damage my sister only discovered a year after the fact.
 
2012-10-24 12:50:16 PM

Skirl Hutsenreiter: lantawa: Dog is one of the breeds that are delineated, very distinctly, in insurance company underwriting guidelines as being unacceptable under underwriting guidelines.

Or not.

FTFA: The company's prohibited breeds are Akitas, American pit bull terriers, Chows, Rott-weilers and wolf mixes, Witmer said.

\Belgian Malinois are really just a variation on the German Shepherd.


Maybe a little but not really any more than Doberman Pinschers being a variation of Rottweilers. Yeah, all dogs come from the same line if you go back far enough, but that's about it. I used to train dogs for Police and Security companies extensively for just about everything. I'd personally rather have a shepherd coming after my ass than a Malinois...
 
2012-10-24 12:52:41 PM
Just another loser organization with 'Family' in their name that's full of mid-evil dickweeds.

/akitas and chows but no doberman? srsly?
//only dog that ever bit me was a beagle
///have a yellow lab-chow mix rescue
 
2012-10-24 12:59:17 PM

Skirl Hutsenreiter: Cold_Sassy: Insurance companies suck because you can be a good customer for years, always pay your premiums on time, and never ever have had a claim, but God help you when you do -- they fight you tooth and nail to avoid paying anything -- which ironically is the very reason for their existence.

You have to hire a g*d-d*mn lawyer nowadays to get something you've paid for and that the insurance co. should be happy to help you with.

Fark those a-holes!

You had the wrong insurance company. Sometimes you get what you pay for. State Farm replaced our whole roof after wind damage, and USAA didn't bat an eye at storm damage my sister only discovered a year after the fact.


Insurance companies suck when you are filing a claim against someone at fault. I got nailed at a stop light by someone that wasn't paying attention to the road (he claims that he was picking up his toolbox that fell beneath him while he was driving) They payed for the repairs, they gave me $2k for whiplash and hurting my knee. They gave my fiancee $600 (2 years later) for a mild concussion and broken glasses, they didn't give her 2 kids in the back seat anything.

State Farm doesn't like repair estimates and always wants to send out an adjuster to look at the damage. Then they go on their computer and look up parts from salvage yards. They will pay a fraction of the initial estimate unless you take them to court. I've had someone back in to the side of my car before and just last week I got sideswiped on the highway. Both of these are State Farm policy holders, oh, joy! I have to wait 2 weeks for an agent to come out.

/We have USAA but we have never had to use them.
 
2012-10-24 01:00:09 PM
^ Oh and that incident where I got hit at the red light, that was American Family Insurance.
 
2012-10-24 01:03:34 PM
Please note that American Family Insurance is in no way related to American Family Life Assurance Company. Carry on.
 
2012-10-24 01:03:53 PM

Cold_Sassy: Insurance companies suck because you can be a good customer for years, always pay your premiums on time, and never ever have had a claim, but God help you when you do -- they fight you tooth and nail to avoid paying anything -- which ironically is the very reason for their existence.

You have to hire a g*d-d*mn lawyer nowadays to get something you've paid for and that the insurance co. should be happy to help you with.

Fark those a-holes!


Im going through that now. On Sept 23rd a guy ran a stop sign and t-boned me. First they kept "misplacing" my car. My roomate was hurt and she ended up having to get a lawyer so he is helping her through all the formalities. Thing that sucks is the guy that hit me has the same insurance co, then when they decleared my car a total loss they told me to send my title into them and sign the back. I did that then 5 days later they call and tell me I need the lein release as well. After all the hoops I had to jump through I finally got my check on monday and my rates go up for being in an accident that I didnt cause......fark them hope my roomate takes them to the cleaners.
 
2012-10-24 01:07:38 PM
If only there were someone around who could provide protection.
 
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