Many families have dogs as the family pet. Dogs can be a great addition to a family, but there is still risk involved with owning a dog. If your dog bites someone visiting your home, use the following guide to learn how to make a claim with your home insurance company.
Get Copies of the Medical Records
When the person is bitten, it is important for them to go to the doctor right away. At the doctor's office, the doctor may require them to get rabies shots, if your dog has not gotten one recently. The wound will need to be flushed to ensure that it does not become infected and stitches may even be needed to close up any puncture marks. All of these procedures can be quite costly and the person needs to get an itemized list of everything that was done so that you can submit it to your insurance company.
Get Quarantine and Veterinarian Records
When your dog bites someone, they must immediately be quarantined. You need to take them to the vet to find out if they have rabies and that caused them to bite the person. Be sure that you get records from your vet stating if the dog is sick or not, when they last had their rabies shot, and that they were quarantined. This information will need to be submitted to your insurance company in order for them to build a case to determine if they will or will not pay for the injuries the dog caused. If your dog was not up to date on their rabies shots, there is a good chance you will be paying for the rabies shot the injured person received out of your own pocket.
Contact Your Insurance Agent
Once you have all of the documentation for the injuries that were caused and for the information regarding your dog, you need to contact your insurance agent right away. Let him or her know what happened and fax any documents they need. Be sure that times and dates are provided so that the agent can establish a timeline for the events.
Once you have filed the claim with your home insurance agent, he or she will contact the person that was injured in your house. They will work directly with the person to determine how much of their injuries the insurance company will cover. If there are any costs left over after the initial payment is made, you may have to pay for them out of your own pocket.