hooknline":2yuxq0yi said:
It is, if the vet will sign off. Waiting to hear back.
Calving, owners dogs, gunshots by owners or reps, are not covered. Sink holes are if you can verify who sank?????
I'd be surprised if the insurance company pays. I looked at the Hartford policy and it is about what I expected and will pay like most policies. Most are designed to pay for the nonpreventable things like lightning, floods, drowning from floods, hyperthemia or suffacation from blizzards, barns collapsing due to weather and other stuff that is out of your control. This mudhole would be classed as a known on-site hazard and would be a foreseable and preventable problem. Your fencing it off after the fact confirms that you were aware of this so unless you can convince them the fence was up before the cow got in the mudhole or if it got hit by lightning or some other cause that was totally out of your control then I think you are better off to just take the lick. Afterall, once you subtract the $500 and the vet bill, your time and fuel, how much are you going to gain by making a claim and what do you stand to lose?