Items

Forums
 
Stolen Horse Tack Insurance Claim
 By Winniefield Park   •   4th Nov 2017   •   936 views   •   0 comments


The hurricanes that recently devastated parts of the Caribbean and southern U.S. states are another reminder of how important it is to be prepared for disaster. Natural disaster isnít the only thing that threatens you, your horse, and horse stuff. Fire and theft too can have devastating results. We should all, at minimum have liability insurance on our horses. That way, if our horse causes injury to anyone, we are protected. Many of us also have insurance against the loss of our horse, and against the loss of our horse stuff. The insurance for your horse gear may be included with the contents insurance on your home.

You should have an accurate inventory of all the horse gear you own, especially if it includes expensive items like saddlery, harness, horse drawn vehicles, specialized equipment, and even clothing. It seems tedious and maybe a little silly to start recording every piece of horse equipment you have from hoof picks to silver mounted saddles, but if you need that list because some creep cleared out your tack room, or you had to evacuate and leave your stuff behind because of wildfire, youíre going to have a much easier time than you would trying to remember all the stuff you need to claim or replace.

What do you include in your inventory? Youíll probably need to know what feed, like hay or bulk stores of grain are in your barn. Youíll want a list of all the tools you use for looking after your horse for stall cleaning, barn maintenance, and grooming. Youíll want to have a record of all tack including halters, bridles, harnesses, saddles, pads, blankets, boots, bandages and everything else your horse or you wear that is stored in your barn or home.

There are two ways to inventory tack; written and photographic. A combination of the two is probably best. For example, you might have a custom made saddle. A picture of it might not show how old it is, what the brand name is or other details. But, a written description, along with a photo can provide much more detail. Include the make, age, dimension and other details that could help someone identify your equipment, or purchase similar to replace it. A video is also helpful, allowing you to get a multi-angle view with your commentary.

Plan an afternoon to do this if you have a lot of stuff. Many of us can probably complete this in a couple of hours. As you are going through things, add identifying marks that will dissuade someone from taking it in the first place. Ideally, they should go somewhere obvious. On your expensive tack, you might want your identification somewhere a little less obvious, like under a saddle flap or underside of a bridle strap. Donít use your social insurance number. Your name or phone number, if you donít change either too often is probably best. Your driverís license number would also work.

Once youíve collected all of your information, youíll need to store it. You need to store your inventory records somewhere safe. Ideally, backup your records in cloud storage. Include photographs and scan any written records. That way they canít be lost, stolen or go up in flames.

Remember to update your inventory and make sure the information is the same as your insurance records. Once a year is usually sufficient.
Horse News More In This Category:  General      Horse News More From This Author:  Winniefield Park
 More News by Winniefield Park
A Peak into PonyBox Barn Fox Tail Forge n Farriery
7th Mar 2021   |   General   |   Winniefield Park
Fox Tail Forge n Farriery has been a Ponybox stable since October of 2018 and sits within the top 100 stable rankings at number 72 as of this writing. This stable is owned by a player who has actually been playing since about 2007 ...
Horses Rescued from Collapsed Texas Arena
6th Mar 2021   |   General   |   Winniefield Park
Frigid winter weather has wreaked havoc on the southern States and has left many without electricity, water and transportation leaving animals and humans in peril. Four horses had to be rescued when an arena collapsed under the we ...
Horseracing Integrity and Safety Act Signed into Law
2nd Mar 2021   |   General   |   Winniefield Park
In a move that many hope will help prevent accidental horse deaths on the racetracks of America, The Horseracing Integrity and Safety Act was signed into law in late December 2020. The law aims to standardize drug testing, enforce ...
Thoroughbred and Canadian Warmblood Top Jumpers on PonyBox
28th Feb 2021   |   General   |   Winniefield Park
Two breeds are currently holding the highest jump records on PonyBox. The Thoroughbred and Canadian Warmblood's are taking the top spots with vengeance and appear unstoppable. ...
Teen Rescues Girls from Pond After Horse Alerts of Danger
27th Feb 2021   |   General   |   Winniefield Park
Oliver normally enjoys being groomed by his young owner, but when she noticed Oliver getting restless she wondered at his was unusual behavior. It wasnít until that she noticed some neighbor kids playing on a frozen pond that she ...
PonyBox Highest Earners
21st Feb 2021   |   General   |   Winniefield Park
Itís no surprise that the top-winning mare and stallion are also Ponyboxís highest earners. Or, that the highest-winning stable also produces many of the most successful jumpers. Here is a look at the outstanding earners on Ponybo ...
Hard to Watch as Man Jumps into Horse Race Final Stretch
20th Feb 2021   |   General   |   Winniefield Park
Lots of sports fans pay top dollar to buy seats that put them almost in the middle of the action. But this race fan took getting into the action a little too seriously. It was a lot of risk for an experience that lasted a moment. ...
The Horses of the Shetland Islands
15th Feb 2021   |   General   |   Winniefield Park
Take a quick armchair trip to see pastoral landscapes, otter crossings and adorable, furry Shetland ponies! This travel video highlights some of the sights on the archipelago that makes up the Shetland Islands. This is the native ...
  View All News by Winniefield Park
 
©2002 - 2021   PonyBox LLC Create Account Advertise Terms Privacy Contact Us
181 Members Online 270,230 Registered Members 2,853 News Articles 12,181,356 Unique News Article Views 292,242,204 Website Views