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Can you obtain additional living expense coverage for family pets?

Many insurance policies cover additional living expenses when a home is uninhabitable, but what happens to pets who can't stay in their 'residence?'

By FC&S Editors | Updated on April 05, 2017
When a residence is damage, the pets may often be displaced as well. (Photo: Shutterstock)

Analysis brought to you by the experts at FC&S Online, the unquestioned authority on insurance coverage interpretation and analysis for the P&C industry. To find out more — or to have YOUR coverage question answered — visit the National Underwriter website, or contact the editors via Twitter: @FCSbulletins.

Question: I am an adjuster dealing with an HO3 special form policy. A water damage claim was submitted by a policyholder. A built-in salt-water aquarium leaked water onto the carpet in a bedroom, which was treated as a black-water situation, and the carpet and pad were replaced. The leak was caused by an external pump that burned up and caused an overflow (wear and tear of the pump).

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