A North Carolina couple had their home-owner’s umbrella insurance revoked when they posted a cute picture of one of their three pups on Facebook. Nationwide Insurance claimed that the photo showed a Rottweiler mix, which they considered a dangerous breed.
The dog has black-and-tan markings, as many breeds do, but it’s clearly not a Rottweiler. Nationwide eventually apologized and offered to reinstate coverage, but the unhappy couple has taken their business – and their pets – elsewhere.
“Is that part of the vetting procedure now?” asks Plastic Surgeon Dr. Andrew Ordon. “They’re going to go on Facebook and look at all your personal pictures?”
As a former actuary, ER Physician Dr. Travis Stork explains that umbrella policies cover big liabilities, like a dog attack. America has 4.5 million dog-bite incidents a year, and it’s a big exposure for insurance companies.
Breast Surgeon Dr. Kristi Funk delivers the take-home: Make your Facebook photos private if you don’t want snoopers!