1. Partridge in a Pear Tree
Your partridge and your pear tree both perished in yesterday’s record breaking blizzard.
In fact, part of your once vibrant and healthy pear tree is now in your neighbor's living
Your neighbor would turn in a claim to their insurance company. Because the tree
was healthy and blew into their home because of a blizzard, you are not
considered at fault. Give them a fruitcake. It’ll make them feel better.
2. Turtle Doves
The Turtles Doves, a local bluegrass band, is booked for the community New Year’s Eve
celebration. An ice storm of epic proportions hits your town starting at noon and the
celebration is cancelled. Your community group has paid the band a non-refundable
booking fee and now the show literally cannot go on.
With event insurance, this weather event could be insured against. Expenses that
the community group already paid, such as the band fee, ballroom rental fee and
catering bills could be reimbursed.
3. French Hens
Three French hens escaped the barn at French Hen Farm, AGAIN. The hens tried to
cross the road. Two made it across. The third French hen was hit by a car and the
headlight and grill were damaged.
The driver of the car should contact the owner of French Hen Farm. The farmer
has a responsibility to make a reasonable attempt to keep his animals off the road
and away from cars. The insurance policy for French Hen Farm should pay for
damages to the car.
4. Calling Birds
These calling birds really use up the phone plan fast when they’re planning their
Christmas festivities and menu plans. Rose was talking to her sister while baking
gingerbread and her phone accidentally fell into the oven and no longer works.
Some homeowner’s insurance policies have an option to include coverage for cell
phones. Be sure to check with your agent to find out if you can insure your phone
on your policy.