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(Telegram)   Town of Warren, Mass. repeatedly flooded by burst beaver dam. Flood insurance won't pay thanks to "rodent damage" exclusion   (telegram.com) divider line 41
    More: Stupid, Warren, radiation damages, dams, board of health, North Street, floods, Spring Street, college town  
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3546 clicks; posted to Main » on 29 Jun 2013 at 11:00 AM (1 year ago)   |  Favorite    |   share:  Share on Twitter share via Email Share on Facebook   more»



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2013-06-29 10:04:41 AM  
Dammit
 
2013-06-29 11:03:04 AM  
Heh I lived in Warren for a while during the mid 90s. Nice quite little town.
 
2013-06-29 11:03:31 AM  

SilentStrider: Dammit


You're Subby, aren't you?

o_O
 
2013-06-29 11:08:53 AM  
Beaver caused floods?

/ sounds like a very specialized pron
 
2013-06-29 11:09:54 AM  
"So who built the dam to protect your town from floods?"
"Beavers"
"Ummm......ok"
 
2013-06-29 11:10:25 AM  
The State's attitude really sucks.  Can't relocate beavers, presumably because you'd make them someone else's problem, so you have to kill them.  The problem's on State land but someone else has to pay to fix it.

And "rodent damage" is when a rodent comes onto your property and damages it, not when a flood caused by a rodent on someone else's property washes through yours.  Fark insurance companies.
 
2013-06-29 11:15:22 AM  
I work in insurance (the Umbrella Corporation) and I call shenanigans. First off, unless you live in a specifically declared flood plain, you don't need 'flood' insurance. This would be covered as water damage by your standard homeowners policy. If you live in a flood plain and didn't buy coverage, it's your own dumb fault.

Secondly, there's no way a carrier would try to deny this with a 'rodent damage' exclusion. That's for things like rats chewing and shiatting in your walls because you don't maintain your own property. With this being an off-premises issue, there'd be no way for the homeowners to anticipate or mitigate the issue. This is the type of loss a homeowners policy is designed to cover.

I doubt that whoever "told" them it wouldn't be covered works for their carrier. I'd guess it was a friend/family member who wasn't involved in the loss and doesn't know what they're talking about, or a dumbass agent who doesn't understand the policies they sell. And there are a lot of those agents out there...
 
2013-06-29 11:18:30 AM  
ts1.mm.bing.net
What's your problem?
 
2013-06-29 11:19:54 AM  
(insert image of Lootie with beaver head)

/too lazy
 
2013-06-29 11:22:30 AM  
I thought, for Massachusetts, Warren was the BESTEST THING EVAH1!!!1!
 
2013-06-29 11:22:42 AM  
So,... it's expensive to trap the 20 or so beavers and they have to continuously monitor the area lest a new group moves in. Why not just install a diversion pipe to keep the water level down?
 
2013-06-29 11:25:09 AM  
It was really crab people.
 
ZAZ [TotalFark]
2013-06-29 11:26:44 AM  
BarkingUnicorn

Massachusetts voters passed an anti-trapping law in 1996. Politicians will overrule voters on taxes and campaign finance, but not on cute furry animals.
 
2013-06-29 11:31:05 AM  

DonkeyDixon: I work in insurance (the Umbrella Corporation)


Someone get STARS up in here.
 
2013-06-29 11:34:21 AM  
Wasn't there a South Park episode about this?
 
2013-06-29 11:36:12 AM  
Why not just pay some kid since it is summer time $100 a pelt to go up there with a .22 and fix it
 
2013-06-29 11:40:43 AM  
Perhaps, I don't know, a flood control project would be better?

And yes, the landowners (the state) are responsible for their negligence.
 
2013-06-29 11:43:45 AM  

Intrepid00: It was really crab people.


No! It was that damn global warming!

filmcrithulk.files.wordpress.com
 
2013-06-29 11:45:45 AM  

DonkeyDixon: I work in insurance (the Umbrella Corporation) and I call shenanigans. First off, unless you live in a specifically declared flood plain, you don't need 'flood' insurance. This would be covered as water damage by your standard homeowners policy. If you live in a flood plain and didn't buy coverage, it's your own dumb fault.


Sounds like the place IS a flood plain, and they DO have coverage, and coverage is being denied because it's not conventional flooding.

I can take your word for it that you work in insurance, but you live in a sort of bubble -- where do you live, Nirvana?  Where I've lived (which is a lot of places), insurance is only purchased to avoid eviction or foreclosure because it's not like they'd ever fulfill their end of the bargain.  The policy is a worthless piece of paper at best, a huge money sink at worst.  Insurance companies really believe their business model is to take as much money from their "customers" as possible then become their worst enemies as soon as there's any sort of claim.

That their coverage was denied due to it being "rodent damage" makes me think the "OBVIOUS" tag is more appropriate here.
 
2013-06-29 12:09:29 PM  
Took a second look at the headline after caffeine.  Warren, MA?  Well yeah, of course the insurance companies won't pay out.  That's how they operate around here.  There's an excuse for everything.
 
2013-06-29 12:40:03 PM  
Insurance : Payment :: Airline Miles : Travel
 
2013-06-29 12:49:05 PM  
Sometimes insurance adjustors make the STRANGEST requests!
fc04.deviantart.net
 
2013-06-29 12:52:13 PM  
You should have called these guys:

media.avclub.com
 
2013-06-29 12:59:56 PM  

DonkeyDixon: I work in insurance (the Umbrella Corporation) and I call shenanigans. First off, unless you live in a specifically declared flood plain, you don't need 'flood' insurance. This would be covered as water damage by your standard homeowners policy. If you live in a flood plain and didn't buy coverage, it's your own dumb fault.

Secondly, there's no way a carrier would try to deny this with a 'rodent damage' exclusion. That's for things like rats chewing and shiatting in your walls because you don't maintain your own property. With this being an off-premises issue, there'd be no way for the homeowners to anticipate or mitigate the issue. This is the type of loss a homeowners policy is designed to cover.

I doubt that whoever "told" them it wouldn't be covered works for their carrier. I'd guess it was a friend/family member who wasn't involved in the loss and doesn't know what they're talking about, or a dumbass agent who doesn't understand the policies they sell. And there are a lot of those agents out there...


Yes, and the state's position is interesting.  They seem to be saying that the homeowners can come on their property and mitigate the issue.  I think I'd hike up there with about 70lbs of dynamite and do some mitigation.  If anyone was injured then I'd sue the property owner.
 
2013-06-29 01:02:53 PM  
Sue the beavers for their shoddy worksmanship. I bet they don't even have engineering degrees.

/I'm sorry, that wasn't very funny
 
2013-06-29 01:07:39 PM  
 
2013-06-29 01:38:11 PM  
They need a permit to remove the beavers ? 
I'm sorry but usually whoever is in charge of animal control in the area should be able to make the call and get them out as soon as there is danger for habitations...
 
2013-06-29 01:47:31 PM  
Flood insurance won't pay thanks to "rodent damage" exclusion NOT HAVING INSURANCE
 
2013-06-29 03:13:31 PM  

DonkeyDixon: I work in insurance (the Umbrella Corporation) and I call shenanigans. First off, unless you live in a specifically declared flood plain, you don't need 'flood' insurance. This would be covered as water damage by your standard homeowners policy. If you live in a flood plain and didn't buy coverage, it's your own dumb fault.

Secondly, there's no way a carrier would try to deny this with a 'rodent damage' exclusion. That's for things like rats chewing and shiatting in your walls because you don't maintain your own property. With this being an off-premises issue, there'd be no way for the homeowners to anticipate or mitigate the issue. This is the type of loss a homeowners policy is designed to cover.

I doubt that whoever "told" them it wouldn't be covered works for their carrier. I'd guess it was a friend/family member who wasn't involved in the loss and doesn't know what they're talking about, or a dumbass agent who doesn't understand the policies they sell. And there are a lot of those agents out there...


wrong-o on the need for flood insurance. According to my State Farm agent, if you have extraordinarily heavy rains and water comes in through a basement window or maybe your sump pump fails in a power outage, that is considered flood damage and is not typically covered under a homeowners policy. You need flood insurance for that.

It's a fact.
 
2013-06-29 03:27:02 PM  

DonkeyDixon: I work in insurance (the Umbrella Corporation) and I call shenanigans. First off, unless you live in a specifically declared flood plain, you don't need 'flood' insurance. This would be covered as water damage by your standard homeowners policy. If you live in a flood plain and didn't buy coverage, it's your own dumb fault.

Secondly, there's no way a carrier would try to deny this with a 'rodent damage' exclusion. That's for things like rats chewing and shiatting in your walls because you don't maintain your own property. With this being an off-premises issue, there'd be no way for the homeowners to anticipate or mitigate the issue. This is the type of loss a homeowners policy is designed to cover.

I doubt that whoever "told" them it wouldn't be covered works for their carrier. I'd guess it was a friend/family member who wasn't involved in the loss and doesn't know what they're talking about, or a dumbass agent who doesn't understand the policies they sell. And there are a lot of those agents out there...


I just had USAA deny me some repairs from a tornado with hail because in the adjuster's opinion, some of the damage might have been caused by hail prior to the May 31 tornadic storms (and how, exactly, does that matter when the house is still insured with USAA and has been for years? Fix the farking damage, you idiots).

So while YOUR company might not deny a claim based on sketchy reasoning, in my long experience with insurance companies, they will do just about anything to find a way to deny claims or portions of claims. When a drunk driver hit me six years ago, even though the police report clearly stated it was her fault for driving the wrong way on the freeway and there was no way the wreck could have been avoided, my insurance company tried to blame my ex-husband, who was driving our car, and said (on a recorded line) that it would have been better if I had been killed in the wreck because it would have been cheaper--that was also a large, national insurance company.

And what Bill the Cat said about the need for flood insurance is spot on. I've always carried it, even though I've never lived on/near the water since I was old enough to require home insurance. Why? Because my realtor (a close friend of the family) told me that without it, I'd be screwed for water damage in the event of heavy rains, etc.
 
2013-06-29 03:39:39 PM  

BarkingUnicorn: The State's attitude really sucks.  Can't relocate beavers, presumably because you'd make them someone else's problem, so you have to kill them.  The problem's on State land but someone else has to pay to fix it.

And "rodent damage" is when a rodent comes onto your property and damages it, not when a flood caused by a rodent on someone else's property washes through yours.  Fark insurance companies.


Flood insurance is run by the federal government.
 
2013-06-29 03:57:25 PM  

megarian: SilentStrider: Dammit

You're Subby, aren't you?

o_O



Nope
 
2013-06-29 05:09:58 PM  
I broke the dam!
 
2013-06-29 08:32:11 PM  

Nabb1: BarkingUnicorn: The State's attitude really sucks.  Can't relocate beavers, presumably because you'd make them someone else's problem, so you have to kill them.  The problem's on State land but someone else has to pay to fix it.

And "rodent damage" is when a rodent comes onto your property and damages it, not when a flood caused by a rodent on someone else's property washes through yours.  Fark insurance companies.

Flood insurance is run by the federal government.


well then, I''m sure he meant to say it is a well run enterprise that makes everyone's lives better so they must look at the big picture and deny some rodent claims sometimes lest they deplete the fund.

/also a nice touch the you need the health departments permission to kill a few rodents that are flooding a town every decade.
 
2013-06-29 10:21:02 PM  

dragonchild: DonkeyDixon: I work in insurance (the Umbrella Corporation) and I call shenanigans. First off, unless you live in a specifically declared flood plain, you don't need 'flood' insurance. This would be covered as water damage by your standard homeowners policy. If you live in a flood plain and didn't buy coverage, it's your own dumb fault.

Sounds like the place IS a flood plain, and they DO have coverage, and coverage is being denied because it's not conventional flooding.

I can take your word for it that you work in insurance, but you live in a sort of bubble -- where do you live, Nirvana?  Where I've lived (which is a lot of places), insurance is only purchased to avoid eviction or foreclosure because it's not like they'd ever fulfill their end of the bargain.  The policy is a worthless piece of paper at best, a huge money sink at worst.  Insurance companies really believe their business model is to take as much money from their "customers" as possible then become their worst enemies as soon as there's any sort of claim.

That their coverage was denied due to it being "rodent damage" makes me think the "OBVIOUS" tag is more appropriate here.


I had a small electrical fire almost 2 years ago (rain got into the main panel and fried it but good) they paid to not only fix the damage (minor really as far as fires goes, the water that started the fire also put it out almost immediately, just a little charring) and replacing the panel (and moving its location and running a  new, ground 100 feet away because the old one wasn't up to code). All told about $4,700 bucks to fix as well as to replace any food lost because we were out of power for almost 3 days. It was much harder to find an electrician in that short of a notice than it was to get the cash from the insurance company.

Guy did a spectacular job and I would certainly recommend him to anyone that asked.
 
2013-06-29 11:12:48 PM  

BarkingUnicorn: The State's attitude really sucks.  Can't relocate beavers


dislocated a beaver once. Would that help?
 
2013-06-30 12:00:25 AM  
I wonder what beaver tastes like?
 
2013-06-30 04:14:10 AM  
0.tqn.com

Seen moments before said dam burst.
 
2013-06-30 11:23:40 AM  
My town is also at war with beavers. Fortunately, they are threatening the park and not homes. The town guys knock the beaver dam down, it's back up within a day. They attempt trap and release, new beavers move in. The beavers are winning, definitely. It's pretty lulzy, actually.
 
2013-06-30 12:30:07 PM  

Radioactive Ass: I had a small electrical fire almost 2 years ago. . . they paid to not only fix the damage. . . and replacing the panel. . . All told about $4,700 bucks to fix as well as to replace any food lost because we were out of power for almost 3 days. It was much harder to find an electrician in that short of a notice than it was to get the cash from the insurance company.


Insurance companies do tend to be compliant and fast with small claims, for PR purposes.  Now let's try the whole process all over again, except your entire house burned to the ground, resulting a six-figure claim.  Good luck.

TFA is about flood damage.  Residents are going to find out just how useless it was to send their money to insurance companies for so long.
 
2013-06-30 05:03:30 PM  
The article is almost there... the flood policies won't pay because the flooding was caused by a rodent which should fall to the individual homeowner's policies to which that carrier can say a dam failure and consequent flooding should not be left at their doorstep.  All thanks to not being able to clear out a bunch of buck-toothed bastards in an organized way.

/Get ready for a five year pissing contest to avoid paying out on this.
//And Donkey, you can set individual exclusions for things like rodents if the claim history or regional experience warrants it.
///And just anything not in the desert has flood coverage on it anymore but it's more about lenders these days than the coverage itself.
 
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