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00:00You saw his dog attack yours.
00:03I was walking outside the back door,
00:05and then within, like, two seconds,
00:07he mauled him.
00:08He was crying.
00:09He was hurt in a lot of pain.
00:10Nope, this never happened.
00:12I didn't hear anything.
00:13No yelping, no screaming, no nothing.
00:15I don't care what you heard.
00:19Are you telling me both you and your father are idiots?
00:23This is Judy Justice.
00:30Jason and Ashley Eade are suing their landlord,
00:45Makayla Farias, and her father, Michael Farias,
00:49for vet bills and an unlawful eviction.
00:52Court coming to order.
00:54All rise.
00:56Be seated, please.
00:58Hello, Judge.
00:59Case 1089, Eade v. Ferris.
01:03Welcome.
01:04Mr. and Mrs. Eade,
01:05are you still living in the house
01:07where you were living and renting from the defendant?
01:10We are.
01:11And you're still living there
01:13after a decision by the housing court?
01:15Correct.
01:16Okay, who owns the house?
01:18You do.
01:19And this is your dad?
01:20Correct.
01:20And you used to be friends?
01:21Correct.
01:22When you bought the house,
01:24and what year was that?
01:252020, so November 18th
01:27is when I closed on the house.
01:28And the house is a multiple dwelling?
01:30Correct.
01:31How many families live in the house?
01:33Three.
01:33You, the plaintiffs,
01:35and you rent to someone else.
01:37Is that right?
01:38Correct.
01:38And do the other people that you rent to
01:40have the same size apartment
01:41that the plaintiffs do?
01:43Correct.
01:43And what do you charge the other person for rent?
01:46The unit upstairs is $900 a month.
01:48And how much is your rent?
01:50$8.75.
01:51So you've got a $25 a month friend's discount.
01:54Correct.
01:54This case has to do with a dog.
01:56Yes.
01:56You have a small dog.
01:58That's correct.
01:58Your dog is a chihuahua?
02:00Correct.
02:01And you have a larger dog.
02:03You have a larger dog.
02:04Yes, Your Honor.
02:05I have also two dogs myself.
02:07What kind of dogs do you have?
02:08They're both Akitas.
02:09And your two dogs,
02:10and the plaintiff's dogs,
02:11I assume since you were friends,
02:13get along.
02:13They never really associated.
02:15Well, that's not possible.
02:16I mean, I have dogs.
02:17I have a son that has big dogs.
02:19There are times when they're all together.
02:20They may not love each other,
02:22and the big dogs may say,
02:23I don't want this little one around me,
02:25and go into another room.
02:26But they've been together.
02:27Correct.
02:27They've gone to the dog park together.
02:29Yeah.
02:30So let's not think of what is good for your case.
02:33Let's just think about accuracy.
02:35Got it?
02:35Correct.
02:36Now, it is your claim that Mr. Farias
02:38was visiting with his daughter.
02:40That's correct.
02:41You don't live there.
02:42No.
02:42And he brought his dog for the visit.
02:45According to you,
02:45you and your dad were working,
02:47doing some renovations inside the house.
02:49The back door was open,
02:51and your dog is what kind of a dog?
02:53A pit bull.
02:54Okay.
02:54Now, Mr. Farias,
02:56has your dog ever been in contact
02:58with the plaintiff's dog?
03:00No.
03:01Was your dog inside
03:03with your daughter's two dogs?
03:05Yes, Your Honor.
03:05And they get along?
03:06Yes, Your Honor.
03:07And there's no question that you know
03:09that the plaintiffs are tenants of your daughters.
03:12Yeah, I know.
03:12I know that they're tenants of my daughters, yes.
03:14Yes, of course.
03:15And it did say in your answer
03:17that you left the back door open
03:18so the dogs could go in and out freely.
03:20Yes.
03:21And you understood, Ms. Farias,
03:23that your father's dog,
03:24while your two dogs had been in contact
03:26with the plaintiff's chihuahua,
03:28his dog had not.
03:29Yes.
03:29You knew that.
03:30Now, this incident happened
03:32on April 18th, 2021.
03:35That's correct.
03:35Correct.
03:35And your dog, according to you,
03:37was injured on that day.
03:38That is correct.
03:38Tell me what happened.
03:39So I was inside.
03:40I only heard the commotion.
03:42My husband was the one who witnessed it.
03:43So he would be more enough
03:44to describe it for you.
03:46So I was walking outside the back door.
03:50I saw her two Akitas out back.
03:52So the two Akitas were outside?
03:55Correct.
03:55And is this backyard a fenced backyard?
03:57Correct.
03:57Don't show me pictures.
03:59It's a fenced yard.
03:59Yes.
04:00So you let your dog out
04:02with the two Akitas?
04:03Correct.
04:04Go ahead.
04:05And then within like two seconds
04:06of walking down this two steps
04:09that I go into my backyard,
04:11Mello came from the other side
04:13of like their apartment,
04:15but I didn't see him at all
04:16and mauled him.
04:18It just happened so fast
04:19I can't get the image out of my head.
04:21Did you ever see
04:22the father's dog before?
04:24Yes.
04:24Where?
04:25At his house.
04:26At his house
04:26or Miss Farius' house?
04:28Both.
04:28Both houses.
04:29Both.
04:30When was the last time
04:31you saw Mr. Farius' dog?
04:33At the house
04:34we were there for an event.
04:36When you say it's been...
04:37No, he's been over
04:38to the new place
04:39since Michaela bought the house
04:41with Mello.
04:42So it might have been
04:42a month, a few weeks before.
04:44Okay, but the two dogs
04:45had not been together.
04:46Correct.
04:46Correct.
04:47So when you saw
04:48Mr. Farius' dog
04:50attack yours,
04:51you did what?
04:52I screamed,
04:53Mello, drop him.
04:54Mello, drop him.
04:55And he dropped him out
04:56so like the second
04:57or third time I did it
04:58and then I picked up my dog
05:00and that's when
05:01he snapped at my face
05:02because he was crying.
05:04He was hurt
05:04and a lot of pain
05:05and I went into my house
05:06in my apartment
05:07and...
05:08I met him right at the door.
05:09She was right at the door
05:10because she wanted to know
05:11what was all the crying
05:12and I told her
05:13what happened
05:13that Mello attacked my dog
05:15and then we rushed
05:16right out of the apartment.
05:17And straight to the vet.
05:18We texted the landlord,
05:20Michaela,
05:21that her father's dog
05:22attacked ours.
05:22Do you have the vet report?
05:23Yes.
05:24It's going to be in this pile.
05:26How old is your people?
05:39Four years.
05:40Okay.
05:40These are extensive
05:41medical records.
05:43Those are the records
05:43for every appointment
05:44that we've had
05:45follow-up since the attack.
05:46And what was the total
05:47vet bill for your dog?
05:49With the vet bills,
05:50the medication costs,
05:52it comes to $4,841.
05:54According to what I read,
05:56you and your husband
05:57made a GoFundMe page.
05:59That was after we tried
06:00contacting Michael.
06:01Whatever it is you did,
06:03I just want to find out
06:04whether you received any funds
06:06from the GoFundMe page.
06:07From the GoFundMe,
06:08we received $626.32
06:10after the GoFundMe fees
06:12were assessed.
06:13This is money
06:13that people donated to us.
06:15They should not be responsible
06:16for those.
06:17Just a sec.
06:18Don't tell me
06:18what they should be.
06:19I'm just asking you.
06:20You made a GoFundMe page
06:21and asked for help
06:23in paying these vet bills
06:24and you managed
06:25to collect $626 from,
06:27or a little bit more,
06:28from good-natured people
06:30who understood
06:31that this was a big bill
06:33for you,
06:34people that you didn't know.
06:36Unless your daughter
06:37is a really poor judge
06:38of character.
06:38Are you saying that she is?
06:40Yes, I am.
06:41Just a second.
06:42Are you saying that she is?
06:43Yes, Your Honor.
06:44Yes, I am.
06:45Well, that's a slap
06:46in the face to your daughter.
06:47I'll take it.
06:48I'll take it.
06:51Jason and Ashley Eade
07:01claim their landlord,
07:03Michaela Farias,
07:04and her father,
07:05Michael Farias,
07:06owe for vet bills
07:07after their chihuahua
07:09was attacked
07:10by Michael's pit bull.
07:12Now, let's start with this.
07:14You do understand
07:15that I understand
07:17that all these dogs
07:19were out,
07:21unleashed,
07:22and unmonitored.
07:23Is that a fair statement?
07:24Aside from our dog.
07:25Just a second.
07:26Your dog was unleashed
07:27and was roaming freely
07:30around the backyard.
07:31No, he never got
07:32to that point.
07:33He got off the steps
07:34and was attacked
07:34by Michael's pit bull.
07:36Well, you don't know that
07:37because you didn't see it.
07:37Well, that is what happened.
07:39That's what I heard
07:40from behind the door.
07:41That's what I was saying.
07:41And he was physically there.
07:43So, what you're saying
07:44is the dog never got beyond
07:45the two steps.
07:46It was at the bottom
07:47of the two steps.
07:48Correct.
07:48In any case,
07:50your dog was a visiting dog.
07:52Yes, Your Honor.
07:53And I'm just letting you know
07:55that you are responsible
07:56for these vet bills
07:57if I find that your dog
07:59caused injury to theirs.
08:01Yes, Your Honor.
08:02Do you understand?
08:02Yes.
08:03It would not be the same
08:04if it were your daughter's
08:05two dogs because that was
08:07a risk that they assumed
08:09because the dogs had played
08:10outside in the backyard
08:11together, according to you.
08:12Correct.
08:13So, if they got into a scuffle,
08:15that was sort of an assumption
08:17of the risk that a big dog
08:18can hurt a small dog.
08:19Correct.
08:19But your dog
08:20doesn't live there.
08:21Yes, Your Honor.
08:21They don't have to assume
08:23that you're visiting.
08:23Correct, Your Honor.
08:24And if you are visiting,
08:25you have a responsibility
08:26to keep your dog in check.
08:28Yes, Your Honor.
08:28Because you knew
08:29that they have a small dog.
08:31Your defense to this is
08:32that the incident never happened.
08:35That's what you wrote.
08:36Somebody want to stick up for that?
08:37That this incident never happened?
08:39That they took the dog
08:40immediately over to the vet
08:42after this incident?
08:43And what the vet wrote
08:44in his report,
08:45that there was no weight bearing
08:46on one of the limbs
08:48because it had a compression
08:49as a result of being bitten
08:52or perhaps just picked up
08:54by your dog?
08:56So, I'm ready to hear
08:57whoever wants to talk.
08:58Your Honor,
08:58on the day that they say
09:00that this happened,
09:01I was putting together
09:02a snap-together floor
09:03in my daughter's kitchen.
09:04So, there was no power tools
09:05being used.
09:06None of that stuff
09:07was being used.
09:08You pop it together
09:09and that's it.
09:10There's no noise.
09:11There's none of that.
09:11I didn't know that any of this
09:13even took place.
09:14The doors opened.
09:15I didn't hear anything.
09:16No yelping,
09:17no screaming,
09:18no nothing.
09:18You're talking about
09:18a 60-pound pit bull
09:20versus a 6-pound chihuahua.
09:22Her boyfriend comes downstairs.
09:23He says,
09:24Hey, Jason just called me
09:26and said,
09:27Mellow bit Kendrick.
09:29I was like,
09:29What?
09:29I said,
09:30Get out of here.
09:30I thought he was playing with me.
09:31I literally thought
09:32he was playing with me.
09:33Where was your daughter?
09:34I was upstairs.
09:35She was upstairs.
09:36Your daughter was upstairs.
09:37Yes.
09:37You were downstairs.
09:38Yes.
09:39What was the back door
09:40doing open?
09:41For the dogs to roam
09:42in and out of the house.
09:42At will,
09:43without bothering anybody
09:45to go out.
09:46Correct.
09:46But what I'm saying is
09:49I heard nothing,
09:50no yelp,
09:50no anything.
09:50Who cares what you heard?
09:51You know these people
09:52a long time.
09:53They were friends
09:53of your daughters
09:54for a long time.
09:55They've been in my house.
09:56They've played with my dog.
09:57Just a second.
09:57You know these people
09:59for a long time.
10:00They've been to your house.
10:01You've been to their house
10:03before this incident.
10:04Yes, Your Honor.
10:05For how many years?
10:06Oh.
10:07Three.
10:07Almost four.
10:08Three or four?
10:09I've only known them
10:10from probably two or three.
10:11Two or three years.
10:13Your daughter knew them
10:14well enough
10:15and liked them
10:16well enough
10:17to invite them
10:19and give them
10:19a family and friends discount
10:21to move into the house.
10:22She liked them.
10:23I would have assumed
10:24if she bought this house
10:25in 2020
10:26that she would have
10:28not allowed people
10:29to move into her house,
10:30invited them
10:30to move into the house
10:32if she thought
10:32that they were liars
10:33or scammers
10:34or storytellers
10:36or looking to make
10:37a fast buck
10:38unless your daughter
10:39is a really poor
10:40judge of character.
10:41Are you saying
10:41that she is?
10:42Yes, I am.
10:43Just a second.
10:43Just a second.
10:44Are you saying
10:45that she is?
10:46Yes, Your Honor.
10:47Yes, I am.
10:48Well, that's a slap
10:48in the face to your daughter.
10:50I'll take it.
10:50I'll take it.
10:51Well, that's a slap
10:52in the face to your daughter.
10:53I want to tell you something.
10:54I don't care
10:55what you heard.
10:57What is common sense
10:58is that that's what happened
11:00and the fact
11:01that you didn't hear it
11:02in the law
11:03doesn't mean a damn thing.
11:06Now, this happened
11:08in April?
11:09Correct.
11:10Of 2021?
11:11Yes.
11:11And they had been
11:12living in the house
11:13since November
11:14or December of 20?
11:16Yep.
11:17December.
11:17Yep is not an answer.
11:18Yes, Your Honor.
11:19Did they pay rent
11:20in December?
11:21Yes, they did.
11:22January?
11:23Yes, they did.
11:23February?
11:24Yes, they did.
11:25March?
11:25Yes, they did.
11:26April?
11:27Yes, they did.
11:27So they paid rent
11:29in April
11:29before this incident happened.
11:31Then they presented you
11:32with a vet bill.
11:34In what month
11:35did they present you
11:36with a vet bill?
11:37They never presented us
11:38with any bill.
11:39Did they ever discuss
11:40with you paying
11:41for the vet?
11:42They called asking
11:43for our homeowner's insurance.
11:45Not ours.
11:46Your homeowner insurance.
11:47Well, they asked both of us
11:49for our separate
11:50homeowner's insurance.
11:51Well, he can't get
11:52homeowner's insurance
11:53if he owns a pit bull
11:54in all probability
11:55because they don't cover
11:56pit bulls
11:57on homeowners.
11:58They make you
11:59in Rhode Island.
12:00What?
12:00Your Honor,
12:01in Rhode Island
12:01they make you get
12:02a special type of insurance
12:03for vicious dogs
12:04if you own a home.
12:05But her dogs
12:05aren't categorized
12:06as vicious dogs.
12:07I'm not clear on that
12:08in the state of Rhode Island.
12:09Are they?
12:11Do you know?
12:12The answer is
12:12you don't know.
12:12I do not know.
12:13Okay.
12:13Could you look up, Sarah,
12:14just for my own information,
12:16pit bulls and akitas
12:17state of Rhode Island
12:18homeowners insurance.
12:19See what you can find
12:20while I'm continuing
12:21with this anyway.
12:22Mr. Farias,
12:22I don't care
12:23whether you heard it or not.
12:24You're responsible
12:25for what happens
12:25with your dog.
12:26And if you let your father
12:27be there with his dog,
12:28you're the homeowner.
12:29You are likewise responsible.
12:31They asked you
12:32for your homeowners insurance.
12:34And you said what?
12:35I said this never happened.
12:37Okay.
12:37So you said
12:37this never happened.
12:38Yes.
12:39And you said the same thing.
12:39Yes, Your Honor.
12:40Okay.
12:40I'd like to see,
12:42other than your statement
12:43that I didn't hear anything,
12:44I'd like to see
12:44what evidence that you have.
12:46I heard the story.
12:47I read the vet report
12:49and I read the vet information
12:51and follow-up.
12:52I'd like to see,
12:53other than your,
12:54I didn't hear anything,
12:55I'd like to see any evidence.
12:57Well, Your Honor,
12:58we do have the police report here.
12:59I'd like to see it.
13:00Your Honor,
13:00pit bulls and Akitas
13:02are considered high risk
13:04in the state of Rhode Island
13:05for insurance purposes.
13:08Do you have
13:09homeowners insurance?
13:10I do.
13:10Do you have special insurance
13:11for the Akitas?
13:12I'd have to look,
13:13but I didn't own my dogs
13:14at the time
13:15of purchasing the house.
13:16Your Honor,
13:16that's a lie.
13:17I didn't own...
13:18Shh, shh, shh, shh.
13:19Would you not interrupt again?
13:21Hmm?
13:22Great.
13:23I'm telling you this now.
13:24You have two Akitas.
13:26They're on the list
13:27in Rhode Island.
13:28You have to advise
13:29your insurance company.
13:31Your rates will go up accordingly.
13:33Somebody is watching
13:34because somebody's gonna
13:36tag this case
13:38and say,
13:38you know what?
13:39I live near her.
13:40Something happens
13:40with one of her dogs.
13:42She's vulnerable.
13:43I could own her house.
13:44It's a nice house.
13:45Do you understand?
13:46Correct.
13:46Yes, I do.
13:47Well, I would take care of it
13:48if I were you.
13:49That's not funny.
13:50It's not funny.
13:51Are you telling me
13:53that both you and your father
13:54are idiots?
13:55You own a home.
13:57You hired a lawyer.
13:58And what you're telling me
13:59is you paid the lawyer
14:00because there was a hearing
14:01and you never asked
14:02for a copy of the papers?
14:03Jason and Ashley Eade
14:17are accusing their landlord
14:18Michaela Farias
14:20and her father
14:21Michael Farias
14:22of causing injuries
14:23to their dog
14:24after Michael's pit bull
14:26attacked their chihuahua.
14:29Now,
14:29they paid
14:30December,
14:30January,
14:31February,
14:32March
14:32an April's rent.
14:33You filed for an eviction
14:34when?
14:35I started the process
14:36on June
14:37and they were served...
14:38June what?
14:39June 8th
14:40was when they were served...
14:41Just a second.
14:42July 8th.
14:43July 8th.
14:43My apologies.
14:44Who filed the papers?
14:46My lawyer did.
14:47So you hired a lawyer?
14:48I did.
14:48On what date?
14:50So the date was
14:51May 21st of 2021.
14:54So April's rent was paid
14:55and in May
14:58you filed for an eviction.
15:00Did you tender
15:01May's rent?
15:03Yes.
15:03In what form?
15:04I believe it was
15:05a check
15:06issued directly
15:07from my bank
15:08to the defendant.
15:10Is that the way
15:11you paid rent
15:12in December,
15:13January,
15:14February,
15:14March and April?
15:15A direct bank check?
15:17That's correct.
15:18Did you receive
15:18direct bank checks
15:20from their bank
15:21for December,
15:23March,
15:23April?
15:24Yes.
15:25Was a check
15:26tendered to you
15:27from the bank
15:28in May?
15:29Yes.
15:29Did you cash it?
15:31Yes.
15:31So they paid
15:32May's rent?
15:33They did.
15:34You filed an eviction
15:35May 21.
15:37May I see the papers
15:38that you filed?
15:39Oh, I want to see
15:50the papers
15:51that you filed.
15:52So the constable
15:52would have given it
15:53to them?
15:53No, no, no.
15:54You had a lawyer.
15:55Get me a copy.
15:57Because of COVID,
15:57I never met the lawyer.
15:58It was all via telephone.
16:00The lawyer sent you
16:00copies of the papers?
16:02No, they did not.
16:03They sent it
16:03to the plaintiffs.
16:05Are you telling me
16:06that both you
16:06and your father
16:07are idiots?
16:08You own a home,
16:09you hired a lawyer,
16:10and what you're telling me
16:11is you paid the lawyer
16:12because there was a hearing,
16:13and you never asked
16:14for a copy of the papers?
16:15So I have the notice
16:17of termination of tenancy?
16:19Yes.
16:19I have it via email.
16:20I want to see it.
16:21I have a physical copy
16:22if you'd like.
16:23And you can take her copy
16:24while you're there.
16:27That's the original.
16:28Well, this doesn't say
16:40the ground.
16:40This is a notice
16:41of termination of tenancy.
16:47What was the reason
16:48you were evicting them?
16:49Just incident after incident.
16:50I just couldn't deal
16:51with the headache
16:52in the house anymore,
16:52so I went through
16:53the correct channels
16:53of doing the eviction legally.
16:55Your Honor,
16:56I approve that this
16:57was all in retaliation.
16:58I'd like to present it to you.
16:59May I see it, please?
17:00This is a notice
17:01that we received
17:02from the defendant
17:03on May 4th.
17:05Jason, don't speak.
17:07Don't speak.
17:14Did you go to trial
17:15on this case?
17:16We went to court
17:17and the two lawyers settled.
17:19Okay.
17:19Can I see the notice
17:20of settlement?
17:21Yep.
17:21This is our carbon copy
17:23that we were provided.
17:25You have any other documentation
17:27from the housing court?
17:28I do not know.
17:31Okay.
17:32So the rent
17:33and use occupancy damages
17:35to be determined
17:36at a later date,
17:37execution of the notice
17:39of eviction
17:39is stated
17:40until October 1st.
17:41That's correct.
17:42That was the decision
17:43of the court.
17:44Did you pay rent
17:45in July?
17:46Yes.
17:47June, of course.
17:48Mm-hmm.
17:48That is correct.
17:50August?
17:51That is correct.
17:52You accepted the rent?
17:53No, I never received
17:54any drafted checks
17:55after June.
17:56I have proof
17:57of all three payments
17:58that were issued.
17:58After June,
17:59may I see
18:00your bank statement, please?
18:02So these are two carbon copies
18:03of the checks
18:04for July and August
18:05and the first two
18:06are the proof
18:07of the FedEx
18:08UPS check for July.
18:10The carbon copies
18:11are for August and September.
18:12So I'm going to tell you this.
18:17I think that she did,
18:18in fact,
18:19file notice of eviction
18:20and retaliation
18:21for this incident.
18:22You're requesting $4,800,
18:25which is a difference
18:26of $600
18:26for filing this eviction process.
18:29And I'm going to grant
18:30you $4,800
18:30with one caveat.
18:33I'm going to say to you
18:34that this is a small property
18:36and it would seem to me
18:37that the two of you
18:38would try very hard
18:39to extricate yourself
18:41from the defendant's home
18:42and find another place to live.
18:44Have you been looking?
18:44We already have
18:45a place secured.
18:46Great.
18:47And when does that start?
18:48October 1st.
18:49We're moving out September 30th
18:50from the location we're at now.
18:51Very good.
18:52All right.
18:53Because I don't see people
18:54living under these circumstances
18:56in the house
18:57where you used to be friends.
18:58You're no longer friends,
18:59actually.
19:00Less than friends.
19:01So I'm very glad
19:02that you found
19:02someplace else to live.
19:04Judgment for the plaintiff
19:04in the amount of $4,800.
19:06We're done.
19:07Court is adjourned.
19:08First off,
19:12that dog was a rescue dog.
19:13It already had injuries.
19:14Dog was never injured.
19:16Never injured.
19:17He actually came from
19:17a family of ours,
19:19like family members.
19:20They don't tell you
19:21in a vet report
19:22whether they're old injuries
19:23or new injuries.
19:24The dog just had injury.
19:26Neither of them like
19:26to take responsibility
19:27for their own actions.
19:28They loved to live.
19:30We're not saying that
19:31there wasn't nothing wrong
19:32with the dog.
19:32There was already something
19:33wrong with the dog
19:34because it was a rescue dog.
19:35It brought tears and eyes.
19:37It's like a child to us.
19:38So our dog is our child.
19:40And the way he comes off,
19:41he could have injured
19:42the dog coming out
19:43because not earlier
19:43in that day,
19:44he's backed into
19:45my daughter's car
19:45so we thought she was
19:46going to go after him anyway.
19:48No.
19:48We came close to that car.
19:50Never exactly stopped.
19:51Yeah, good riddance.
19:52That's the best
19:53you can go at it.
19:54He'll always have an issue
19:55now going forward,
19:57but he's still
19:57our rambunctious little boy.
19:59So when I looked at that list
20:00of high-risk dogs for you,
20:02I was surprised
20:03by some of the dogs
20:04that were on the high-risk list
20:07for insurance companies.
20:08And even beyond that,
20:10I didn't know that
20:11if you have one of these
20:12high-risk dogs,
20:13which I think might be different
20:14for every state,
20:15and you don't disclose that
20:17to your insurance company,
20:18if a situation like this happens,
20:20your insurance will deny your claim.
20:22So it's really important
20:23that people,
20:24if they have any breed of dog,
20:26really,
20:26just to check the list
20:27to make sure they're not
20:28failing to disclose
20:29to their insurance company.
20:30Because if a freak accident happens,
20:32you may lose your house.
20:34You'll lose your house.
20:35Yeah.
20:35Risky business.
20:36Yeah.
20:36Risky business.
20:39Want justice?
20:40Go to judyjustice.tv.
21:00Go to judyjustice.tv.
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