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<blockquote data-quote="Jogeephus" data-source="post: 1002835" data-attributes="member: 4362"><p>I agree. What the adjuster puts down on the cause of death is going to make or break the claim. Insurance companies are in it to make money and since this policy isn't a scheduled policy how things are presented to the adjuster will make a huge difference. I think Hook would be in a better position if the fence was put up before the accident (it was wasn't it? ;-) ) or if the cow is placed under a tree with a huge scar on it and its hooves were laying 20 feet from the carcass.</p><p></p><p>I'm not busting chops just trying to be realistic and the reality is these companies are in business to make money based on certain risk factors. Had I had the same insurance policy with the lightning then Hartford would still be in the black since this would have been the only legitimate claim I could have made. It would have been nice to receive a check for this but I'd still be in the hole since a lightning strike on cattle is pretty darn rare and only happens to the lucky people.</p><p></p><p>Another thing I base my feeling on is what happened to a friend of mine just a few years ago. He has a good many cows and has a large liability policy with a big company. His cows got on the highway one night and caused a big mess and he was sued. Insurance adjuster disqualified the claim because the sherriff's department had a ledger that showed in the weeks prior to the accident there had been numerous calls about cows on the highway and it was their opinion he did not exercise due dilligence in fixing the problem prior to the incident. Needless to say, he wasn't a happy camper.</p><p></p><p>Like I say, I am not busting chops here I just find this interesting and am curious how they are going to handle this. I spoke to my insurance guy, who is also a cattleman, and he doesn't think it will pay either but he is going to talk to his aduster and get his opinion.</p></blockquote><p></p>
[QUOTE="Jogeephus, post: 1002835, member: 4362"] I agree. What the adjuster puts down on the cause of death is going to make or break the claim. Insurance companies are in it to make money and since this policy isn't a scheduled policy how things are presented to the adjuster will make a huge difference. I think Hook would be in a better position if the fence was put up before the accident (it was wasn't it? ;-) ) or if the cow is placed under a tree with a huge scar on it and its hooves were laying 20 feet from the carcass. I'm not busting chops just trying to be realistic and the reality is these companies are in business to make money based on certain risk factors. Had I had the same insurance policy with the lightning then Hartford would still be in the black since this would have been the only legitimate claim I could have made. It would have been nice to receive a check for this but I'd still be in the hole since a lightning strike on cattle is pretty darn rare and only happens to the lucky people. Another thing I base my feeling on is what happened to a friend of mine just a few years ago. He has a good many cows and has a large liability policy with a big company. His cows got on the highway one night and caused a big mess and he was sued. Insurance adjuster disqualified the claim because the sherriff's department had a ledger that showed in the weeks prior to the accident there had been numerous calls about cows on the highway and it was their opinion he did not exercise due dilligence in fixing the problem prior to the incident. Needless to say, he wasn't a happy camper. Like I say, I am not busting chops here I just find this interesting and am curious how they are going to handle this. I spoke to my insurance guy, who is also a cattleman, and he doesn't think it will pay either but he is going to talk to his aduster and get his opinion. [/QUOTE]
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