In February, dogs mauled and killed a person who was visiting neighbors of the Morenos, who are insured by Allstate. The Morenos have a homeowners policy with Allstate and also have a married adult son. The son and his wife, Christian and Abilene, are the owners of three dogs. In February, Christian and Abilene were visiting Christian's parents and had taken the dogs with them.
The Najeras were a couple visiting friends in the neighborhood. Somehow the Moreno's dogs got out of the enclosure at the parent's house and attacked the Najeras, killing Ramon Najera Jr. Christian and Abilene were arrested on charges of a dangerous dog attack. Mr. Najera's widow has filed a suit against the Moreno's for $1 million dollars in negligent damages.
The Morenos in turn filed a claim with Allstate. Allstate has denied liability for the claim stating that only Carlos Moreno and his spouse are insureds under the homeowners policy in question. Allstate has filed suit in order to be released from liability in this case.
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Christine G. Barlow, CPCU
Christine G. Barlow, CPCU, is Executive Editor of FC&S Expert Coverage Interpretation, a division of National Underwriter Company and ALM. Christine has over thirty years’ experience in the insurance industry, beginning as a claims adjuster then working as an underwriter and underwriting supervisor handling personal lines. Christine regularly presents and moderates webinars on a variety of topics and is an experienced presenter.