This was great reading all these old "risk of loss" post. Well like all good adjusters, "get it right" has changed my opine on my post of 29March 2008. This was a house inside a small  dairy that was surrounded by flood water and about 40 holstein cows had gone to higher ground, the front porch that was not designed or intended for cows and if it were it would hold about 15 not 40. The porch and one wall had animal damage from this event.. What is the proximate cause of loss ?. The animals not the flood.

The HO does not cover flood nor does it cover damage from the insureds animals. But the insured never expected or anticipate a flood, nor did the insured expect or anticipate his small heard try to get out of the barn and on his porch. Just because the cows were owned by him does not exclude coverage as the same damage could be done by neighbor's cows, also not anticipated or expected (2 key words in risk of loss coverage)

Number 1 post.

No. 2 post on risk of loss.

Approx. 16,000 flood claims in the Atlanta, GA area only 9% have flood coverage. This is not flood coverage but I think could be a HO-3 loss. A dwelling had about 6 feet of flood water. The water cake up slow and receded slow. The home owner finds thousands of snakes in his house when he returns.He calls a pest control company to tent the house and remove all the dead snakes, so he can began clean up from the flood. He has not have flood insurance. Is the cost of this service a direct loss under the HO-3 to effect clean up even thought clean up is not a covered peril. I say yes. The insured never expected nor anticipated an expense that was necessary for him to rebuild thier lives.

Number 3 risk of loss coverage.

A  guest person or family member with an unknown undisclosed metal illness goes  berserk and does extensive damage to the dwelling and its contents.

This is three that I think are covered and my last is one that I do not think is covered.