We love our furry pet friends and most of the time treat them like family members. However, despite the fact that our dogs and cats practically share their lives with us, they are still fundamentally animals. And when nature calls, they act like what they are and go where they need to go. They also display behavior consistent with their instincts, including everything from scratching to chewing. All three can cause serious damage to a property, and when it involves liquid, the damage can spread from one unit to another in a shared building like a condominium in St. Petersburg, FL.
From what Great South Insurance Agency LLC has seen, from an insurance perspective, pet damage in condos gets treated very similar to the same in a home by homeowners insurance. In short, the damage is generally not a covered category for the policyholder. However, pet damage in a shared building can affect more than just the pet owner, it can create damage considerations for other parties as well. Where a condo owner has extended general liability insurance, such as an umbrella policy, he or she may still be able to address claims even though the standard condo insurance protection won’t apply. Otherwise, the condo owner could very well have to address another tenant’s damages directly and out of pocket.
To find out what options exist for a resident of St. Petersburg, FL, give the experts at Great South Insurance Agency LLC a call. They have handled multiple condo tenant-owners’ needs and match appropriate policies to their situations, including with pets. Don’t find out the hard way what will or will not be covered for your furry friend. It’s far smarter to prepare for risk intelligently and enjoy life more. Reach out to our offices for more information.