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This Woman's Facebook Photos Led To Denial Of Insurance (Photos)

| by Oren Peleg

Melina Efthimiadis posted a photo to Facebook of her three dogs (a Shih Tzu/ Yorkie, a Hound, and a Hound/Lab mix) running through the snow. The photo would lead to a denial of personal umbrella liability insurance.

According to WTVD, Efthimiadis and her husband, who live in Timberlake, North Carolina, got a letter from their insurance company, Nationwide, informing them that their coverage application had been canceled.

"We were being [canceled] because we had an ineligible dog breed that we failed to disclose," Efthimiadis said. Nationwide claimed that the Hound/Lab mix was an ineligible Rottweiler mix breed.

"They sent us the pictures that they had taken off of my Facebook page of my dog Zeus who is a lab/hound mix," she added. "In the picture, the dogs are running through the snow with their blankets on it just didn't seem that threatening to me."

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Efthimiadis contacted Nationwide to correct the error, as Zeus is not a Rottweiler mix, and thus does not prevent coverage.

"Nationwide's policy is to contact the member and agent to gather more information if there is uncertainty about a dog breed selection on an insurance application," a Nationwide representative said. "Unfortunately, that policy was not followed in this instance. We have taken steps to rectify the situation to ensure a better experience for future Nationwide applicants."

Following the correction, Nationwide rescinded the cancelation.

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According to WGN, however, Efthimiadis had already switched insurance providers by that point.  

"Be careful about what you post on Facebook," she said, notes WTVD. "It's sad that you can't post pictures of your beloved pet on your own Facebook page and have it public but unfortunately I had to go and change some of my pictures just to feel more comfortable about it."

Sources: WGN, WTVD via WLS-TV / Photo credit: GotCredit/Flickr, Melina Efthimiadis via WLS-TV

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