When the thunder roars and the lightning crackles, there’s a primal satisfaction in being snug and dry beneath a stout roof surrounded by sturdy walls. And that’s just as true for your pets as it is for you and the rest of your family.
To keep your pets safe, keep them inside during bad weather. If you keep animals in a shed, barn or doghouse, make sure your outbuildings are structurally sound and properly grounded. A doghouse isn’t safe in a lightning strike – it’s best to move Rover inside. Cats left outside will often shelter in parked cars or beneath trees, both dangerous options during a lightning storm.
Some dogs and even some cats suffer from thunderstorm phobias. They’re extremely fearful of the stimuli caused by thunderstorms: lightning, thunder, strong winds, and even changes in barometric pressure. If your pet regularly freaks out when it’s bad out (by pacing, drooling, peeing or pooping inappropriately, hiding, or excessive vocalizing or destructive behavior), consult your veterinarian. There are different ways to treat thunderstorm phobia, from behavior modification to medication. It’s important not to reinforce bad behavior: during storms, don’t attempt to punish your pet’s behavior, nor should you try to comfort your pet (this is a hard one to resist).
Keeping your pets calm and dry when the weather is wet and wild isn’t just common sense. It’s as good for you as it is for them – the more stress you can address, the happier you and your fuzzy buddy will be.
Do you have a dog? If so, you want to be sure that your dog is trained, that you comply with any state or local restraint laws, and that you are adequately covered by your insurance. Although the number of dog bite claims is trending down, the cost for those claims is trending up – the average dog bite claim is now $37,214. That’s the national average so depending on where you live, the cost might be higher: Arizona was $56,654, California is $44,983 and New York is $44,320. Ouch.
There are three kinds of law that impose liability on owners:
1) A dog-bite statute: where the dog owner is automatically liable for any injury or property damage the dog causes without provocation.
2) The one-bite rule: where the dog owner is responsible for an injury caused by a dog if the owner knew the dog was likely to cause that type of injury—in this case, the victim must prove the owner knew the dog was dangerous.
3) Negligence laws: where the dog owner is liable if the injury occurred because the dog owner was unreasonably careless (negligent) in controlling the dog.
Some insurance companies will limit homeowners insurance availability based on dog breed or dog history. PropertyCasualty360 has an article on the 10 dog breeds most often blacklisted by home insurance carriers.
Many insurance companies don’t have a blanket breed ban. The MSPCA cites several national insurers that will instead “… work on a case by case basis, considering the individual dog’s behavior and history, and may require a meet and greet with the dog and/or a Canine Good Citizen certification.”
And here’s a good infographic from the American Veterinary Medical Association:
If cats could talk, they’d remind you that this week is Daylight’s Savings Time so you need to set your clock ahead one hour. Plus, they’d tell you that it’s a good time to change the batteries in your smoke detector and your carbon monoxide detectors.
This year, we focus on pets. ABC News has posted Tips for Making Halloween Safer for Pets. Halloween is one of the most dangerous days of the year for pets because of the myriad of hazards it presents.
The abundance of candy lying around is a huge issue, since chocolate is poisonous to dogs. National Geographic has an excellent interactive doggie chocolate chart that tells you when to worry. According to the NRF, Americans spend close to $1.8 billion on Halloween Candy. That’s a lot of candy lying around just waiting to be ingested by animals. Not only that, but many of the wrappers are choking hazards for pets. Even the health conscious households who hand out boxes of raisins instead of candy should know that raisins are also dangerous to dogs and can result in kidney failure.
Here are a few more pet perils:
Heavy traffic to your front door gives your pets more than ample opportunities to escape. Many pets become lost or injured. Halloween is the second most reported day of the year for pets escaping, the first being the 4th of July.
Decorative candles may look festive but many pets receive injuries from them every Halloween. Whether it’s your cat knocking a candle off the mantle or sticking its head into a Jack-o-lantern, candles can burn and injure your pets if you’re not careful.
Owners who dress their pets in Halloween costumes should always maintain supervision. Many costumes poses choking hazards, overheat animals, or cause them to get tangled up and take nasty falls.
Lots of people don’t invest in pet insurance and that is clearly a mistake. If you don’t have pet insurance already why not connect with a Renaissance Alliance insurance agent near you?