Bushviper wrote:wickedexotix wrote:... My broker got me livestock insurance against a fire in my snakeroom for R150000 ......
What about theft? Does this only cover the snakes that burn to death because many will die weeks later from smoke inhalation.
Interesting legal question. It will depend on the insurer. Fire and theft normally go together - but may be excluded in certain insurance policies... The problem with theft might be to prove that there was indeed theft and not escape... But there should be forced entry unless it was an employee.
Smoke inhalation - if it is a direct consequence of the fire and it can be proven, the animal's insured cost can probably be claimed. Vet fees will be the problem here and will require a different type of insurance.
As I said it will depend on the insurer and loads of insurance companies can find loopholes... But with a decent insurer this is definitely something to look at, especially at such low cost.