AMATEURS

NATURAL DISASTERS (continued)

You need to understand what is and, importantly, what is not covered by your policy. For example, not all sources of flooding will be covered by insurance. Typically, flooding from damaged plumbing, burst pipes or appliances will be covered by insurance. However, flooding from storm surge, sinkholes or overflowing lakes will not be covered. If you live in an area prone to flooding following a severe storm, you should obtain additional insurance to cover this situation.

The same goes for earthquakes, forest fires and the like. Obtaining additional coverage for these specific perils can be expensive and often comes with a high deductible; however, you may be leaving yourself exposed without it.

It may seem like a no-brainer, but make sure that your policy is current! Of course, this includes paying your premiums; however, you will also want to alert your insurance carrier to any renovations or additions to the covered property.

You should also be sure to fairly and accurately represent the true value of the property you are insuring. This includes not only barns and riding arenas, but also farm equipment, tack, and horses. You may consider taking photographs or videos of the property and its contents. An insured has the duty to represent the true value of such items to the insurance carrier. Failure to do so or misrepresentation can result in the carrier voiding the policy.

If you are an equine professional living in an area prone to severe weather, you may also consider purchasing “Business Interruption Insurance.” For those in the horse business, a natural disaster can affect the ability to carry on business and earn income. For example, consider the impact of a tornado destroying your barn and indoor riding area used for training and lessons.

If this property is damaged and cannot be used, then you will lose out on income. There are many nuances to this coverage, but business interruption coverage generally can help replace income you lose if you can’t operate your business temporarily after a covered loss. It can also help cover other operating expenses such as mortgage payments, payroll and relocation costs if you have to move to a new or temporary location. It is important to discuss this coverage an experienced insurance agent to determine what is best for your needs.

The bottom line is that natural disasters are unpredictable. The best thing you can do for yourself and your horse is to have a plan in place for every type of disaster. This way when the worst happens, you’ll be prepared to weather the storm.

Katherine Jarve is a partner at the Marlton, New Jersey law firm of Jarve Kaplan Granato Starr, LLC. She is licensed in New Jersey and Pennsylvania and maintains a practice in personal injury and civil litigation, including equine related issues. Katherine spent her childhood competing on the national AQHA show circuit. This article is for informational purposes only and is not intended to be legal advice. If you have a specific legal question or problem, consult with an experienced equine law attorney. Questions, comments or suggestions can be e-mailed to kjarve@nj-triallawyers.com.

The BUZZ

ON THE WEB

(www.instrideedition.com)

(IN) LIFE

AQHA and NSBA professional trainer Brent Garringer and his wife, Alyssa, of Washington Court House, Ohio, welcomed their first child, a daughter, on Oct. 12. The new arrival, named Bayleigh Grace, was 9 pounds and 6 ounces and 20 inches at birth. Brent operates Brent Garringer Show Horses.

AQHA and NSBA competitor Sharnai Thompson Hurlstone and her husband, Ric Hurlstone, of George Town, Caymen Islands, welcomed their first child, a son, on Aug. 23. The new arrival, named Richard Andrew Hurlstone Jr., weighed 7 pounds and 8 ounces.

(IN) DEATH

EXPECTED TO OPEN IN DECEMBER

WORLD EQUESTRIAN CENTER IN OCALA, FLORIDA ADDS TWO ADDITIONAL OUTDOOR ARENAS

The World Equestrian Center, located in Ocala, Florida, is nearing completion of two new rings. The generously sized rings are 180-by-300 feet and feature all weather footing. Both rings are located on the northwest side of the property, by Barn Y. The new rings are being built to accommodate exhibitors who are conducting training and schooling rides, and to supply them with dedicated riding space that is separate from the main competition and schooling areas. “Our goal is to ensure that there is ample room for the important training and riding that our exhibitors do outside of preparing to go in the ring,” said Vinnie Card, WEC, Ocala Director of Operations. “We wanted to offer more, separated space for people to try horses, conduct lunging, training and to school young horses and horses being exercised on their non-showing days.” The rings are expected to be completed in time for the second half of the World Equestrian Center Ocala Fall Show Series, which runs for two consecutive weeks from Dec. 7-18. World Equestrian Center features two premier equestrian and multidisciplinary venues in Ocala, Florida, and Wilmington, Ohio. These exclusive facilities comprise state-of-the-art arenas, expansive stadiums, versatile outdoor space, sporting fields and well-appointed exposition centers. For more information visit www.worldequestriancenter.com.

ALL TIME FANCY PASSES AWAY AT THE AGE OF 24

APHA SIRE WAS AN ALL-TIME LEADING SIRE WITH OVER HALF HIS FOALS EARNING SHOW RECORDS

Well known AQHA and NSBA judge Betsy Tuckey passed away on Sept. 30, following a difficult 11-month battle with stage 4 bladder cancer. Tuckey held five judging cards including AQHA, NSBA, APHA, NRHA and NRCHA with her longest standing card being held for 30 years. Betsy resided in Georgia with her husband, fellow judge John Tuckey. In 1985 she started making high quality custom show chaps in a small corner of her living room in Pennsylvania and eventually moved into fully stocked shop, built in the second story of the show barn on the Tuckey farm in Liberty, Kentucky and established Horsewares Custom Chaps. American Paint Horse Association Lifetime Leading Sire All Time Fancy passed away on Oct.19. Nicknamed “Nike,” the 1998 bay overo stallion by CF Wicked Willie and out of Forced To Be Fancy was bred by Rosemarie Shedd of Rockton, Illinois, and owned by Peggy Knaus of Tuttle, Oklahoma. Nike caught Knaus’ eye as a yearling at the World Wide Paint Horse Congress—she knew she needed to bring him home, and he was so laid back, she actually thought he was a gelding at first. Naturally talented, with floating extension at the trot and a naturally slow canter, Nike became a fan favorite in Hunter Under Saddle and Pleasure Driving, ultimately earning 277 points and a 2003 Reserve World Champion buckle in Junior Hunter Under Saddle. As a sire, Nike has 1,039 registered offspring. More than half have APHA show records, earning 95,864 performance points, 11,882.5 halter points, 141 world/national championships and 128 reserve world/national championships to date. To date, Nike is leading all four APHA 2022 Leading Sires Lists for halter and performance (as of October 20, 2022). He ranks high on APHA’s Lifetime Leading Sires lists, too; data as of Feb. 4, , shows Nike is: • No. 1 Lifetime Leading Sire Halter Point Earners • No. 2 Lifetime Leading Sire Performance Points Earned • No. 2 Lifetime Leading Sire Performance Point Earners

Photo/APHA Journal