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Insureds let the dog out to go to the bathroom. They have a doggie door. Dog came in and the insureds smelled the skunk. They tried to catch the dog and he kept running around, jumping on the bed, and rolling around on the carpet before they could catch him. Is there coverage for removal of the odor?

Michigan Subscriber

The bedclothes aren't covered since they're named peril items and a stinky dog rolling on them is not a named peril. Same for the carpet if it's a removable rug. If it's wall to wall, then there is coverage.

Here's the formula to deodorize the dog and the bed clothes, hope it helps. 1 quart of 3 % hydrogen peroxide (from drug store) ¼ cup of baking soda (sodium bicarbonate) and a teaspoon of liquid detergent. Mix all ingredients, but don't mix until ready to use; the mixture is unstable and creates oxygen and may break a container if you try to contain it. This is enough to wash a small dog, say Jack Russell terrier size. They might want to test a small section of the bedclothes; depending on the color the peroxide might bleach the color.

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