[Real Estate Joe]

A CLUE Report or Comprehensive Loss Underwriting Exchange Report is information regarding any claims a homeowner makes on a subject property. This provides potential insurance companies with information about a home's past history. Insurance have also been known to decline certain properties as a result of some claims that have been made on a home in the past.

[rukitamo]

Hai,

I am Rukitamo. I am Newbie to here.

I am so upset right now, we just received a letter from our Home Owner's Insurance (Royal Palm insurance Co.) that they are cancelling our Insurance because we have a Rottweiler! We have lived there for 10 years and have had him for almost 9 years .....I have never heard of this. Has anyone else had this problem?

He is not aggressive and has never growled at anyone and certainly has never bitten anyone. He most likely will not live more than 9 months with his heart condition, what do they really think he is going to do????
We are in the middle of Hurricane Season and I fear it will be impossible to obtain alternate insurance at this time.

They have never come into the home to observe him in his environment, they may have done an inspection of the outer perimeter of our home, and like any dog, he will bark.

He is always on a leash, he is never allowed to roam free. He is an indoor dog and is the love of all the children in the neighborhood.
I have contacted the Humane Society of the United States, what else can we do?

Please Help Me...

[Real Estate Joe]

Unfortunately, I have heard of this before from some clients of mine.

There are several breeds of dogs that the insurance companies feel are "dangerous" even though I think it is unfair to rule all dogs under one breed to be dangerous. I have seen several passive dogs that are from aggressive breeds.

I have even heard of this happening from owners who have trampolines in their backyards.

If I remember correctly, the insurance broker I spoke to a few years ago about this told me he wasn't aware of ANY insurance companies who would insure rottweilers.

Sorry for the bad news!