home owners

[shhhli]

i got off the phone with my uncle a few minutes ago after he asked about my snake. he told me that if home owners insurance finds out they will cancel our insurance because it is an exotic reptile. he said due to ignorant people and their careless heating techniques, homes have burned down from poor husbandry. is there anything that can be done about this(insurance cancellation)? surely the problems have come from the heatlamps or hot rocks or something, i dont see how heat tape can just catch on fire especially if you have temperature controls rigged up?

does anyone know more about this, im about to go look up a bit on insurance.
just wondering.

[joepythons]

I have heard of this happening to some reptile owners .I am not sure if its certain companies or certain policies.You might want to read your homeowners policy for any clauses concerning this.

[TekWarren]

as said it really depends on your insurance carrier. Many of us don't ask and don't tell.

[shhhli]

that's what i figured.
this really really irks me right now.

[jglass38]

I rent but I am of the don't ask, don't tell policy. There is no need for them to know...

[shhhli]

well, jic- what would cause some sort of fire? if we have everything down pat, and were to go word/word with plastic reptile housing (like the directions given here) would we have to worry about some sort of fire? that's the only catch, if it ever did happen, we wouldnt be covered.

[frankykeno]

The silly thing is more homes burn down from grease fires in your kitchen than from a reptile related fire I'm quite sure. Funny they don't cancel your policy if you have a stove do they.


I'm with the "some things are best left unsaid" group.


~~Jo~~

[shhhli]

thats what i was thinking earlier; i dont seem to recal an absence of stoves in the house.
beh.
i just want to make sure now, that all the precautions we take should help stop some queer fire. i really could see someone knocking over a heat lamp or such, but honestly.

[Krynos]

Becareful....

If your home should burn down, catch fire etc... and the inspector sees you have viv (or reminants of one) you could end up losing your claim as you were in violation of the terms of the contract. There is only one thing insurance companies love more than collecting premiums... that's finding a way not to pay out on them.

[JLC]

Becareful....

If your home should burn down, catch fire etc... and the inspector sees you have viv (or reminants of one) you could end up losing your claim as you were in violation of the terms of the contract. There is only one thing insurance companies love more than collecting premiums... that's finding a way not to pay out on them.

That would be true only IF the terms of your contract specifically state restrictions regarding reptile enclosures with wired heat. I'm quite sure ours says nothing of the sort. Therefore, if we were to lose our home due to fire (for any reason) they would have to pay the claim. That's not to say they might not choose to drop us after paying, if they have something against keeping snakes.....but according to the contract we currently have, it's not an issue.