SnackMeat
Songster
- Jun 14, 2025
- 253
- 310
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Referencing:
https://www.backyardchickens.com/th...d-killed-and-mauled-by-neighbors-dog.1670611/
However this topic comes up fairly often: Neighbor's dogs (often negligently) improperly secured crosses property lines and kills livestock on a nearby property.
You can read below for a bunch of tangential stuff re: insurance reports and people being irresponsible if there are not consequences.
But my primary concern is--- how is the best way to find like for like for a police report valuation and home owner's insurance claim?
OP said her's was a 4 year old white Brahma hen. Probably not show quality but also non-show people probably don't readily have 4 year old Brahma hens for sale.
How would you find a price valuation for what is legally considered livestock property?
This isn't about punishment as in a "you're a jerk so I'm going to mess up your day/week/month." This is about neighbors being blasé about their animals getting out and doing property damage (ignoring the emotional aspect for now to keep it to legal definitions) whether it's to livestock or even plants (my morning glories never recovered from a jerk neighbor's goats for example. But if they were heritage, hard to find roses then I would have pursued legal renumeration.)
Unfortunately, unless people have consequences then many don't feel the need to follow what others could consider basic consideration.
The neighbor in that example linked above will likely be just as carefree about their fence, and dog care, and the neighbor's chickens.
In insurance, when it comes to property replacement, you don't just ask for a replacement for, say, a projector that was damaged in a flood or fire or whatever. You say your projector was a 4k, capable of recording in x quality, with whatever bells and whistles. I bring up the projector as an example based on reading an insurance adjuster's advice. They had someone who had an old projector damaged and listed on the property claim. But because it had this one weird aspect (recording) and that model wasn't made anymore, And all the new models didn't either, the replacement value was in the thousands versus hundreds because they had to replace like for like-- meaning they had to find a model that had all those options which I think went in to commercial/university level projectors.
The important point here is that a lot of backyard breeds may be impossible to replace emotionally, but you can also nickel and dime insurance and irresponsible people by reading what your home owner's insurance covers.
You also should understand that they should go after your neighbor, but that small claims is also an option. It is my understanding, you can't have home owners or renters insurance make you whole and then go after them in small claims, except for stuff your insurance didn't cover.
There's also factoring in your premium going up. But insurance shopping unfortunately needs to be a regular thing because rates go up but new customers still get lower rates over older customers.
https://www.backyardchickens.com/th...d-killed-and-mauled-by-neighbors-dog.1670611/
However this topic comes up fairly often: Neighbor's dogs (often negligently) improperly secured crosses property lines and kills livestock on a nearby property.
You can read below for a bunch of tangential stuff re: insurance reports and people being irresponsible if there are not consequences.
But my primary concern is--- how is the best way to find like for like for a police report valuation and home owner's insurance claim?
OP said her's was a 4 year old white Brahma hen. Probably not show quality but also non-show people probably don't readily have 4 year old Brahma hens for sale.
How would you find a price valuation for what is legally considered livestock property?
This isn't about punishment as in a "you're a jerk so I'm going to mess up your day/week/month." This is about neighbors being blasé about their animals getting out and doing property damage (ignoring the emotional aspect for now to keep it to legal definitions) whether it's to livestock or even plants (my morning glories never recovered from a jerk neighbor's goats for example. But if they were heritage, hard to find roses then I would have pursued legal renumeration.)
Unfortunately, unless people have consequences then many don't feel the need to follow what others could consider basic consideration.
The neighbor in that example linked above will likely be just as carefree about their fence, and dog care, and the neighbor's chickens.
In insurance, when it comes to property replacement, you don't just ask for a replacement for, say, a projector that was damaged in a flood or fire or whatever. You say your projector was a 4k, capable of recording in x quality, with whatever bells and whistles. I bring up the projector as an example based on reading an insurance adjuster's advice. They had someone who had an old projector damaged and listed on the property claim. But because it had this one weird aspect (recording) and that model wasn't made anymore, And all the new models didn't either, the replacement value was in the thousands versus hundreds because they had to replace like for like-- meaning they had to find a model that had all those options which I think went in to commercial/university level projectors.
The important point here is that a lot of backyard breeds may be impossible to replace emotionally, but you can also nickel and dime insurance and irresponsible people by reading what your home owner's insurance covers.
You also should understand that they should go after your neighbor, but that small claims is also an option. It is my understanding, you can't have home owners or renters insurance make you whole and then go after them in small claims, except for stuff your insurance didn't cover.
There's also factoring in your premium going up. But insurance shopping unfortunately needs to be a regular thing because rates go up but new customers still get lower rates over older customers.
