Jun 05, 2022

When Dreams Go Awry: How Parker Equine Insurance Helped the Schramms Overcome a House Fire

By Meagan DeLisle - USEA Staff
Dom and Jimmie Schramm on the day they closed on their new farm in 2021. Photo courtesy of Jimmie Schramm.

One of the definitions of the word insurance is “providing protection against a possible eventuality.” As horse owners we are always planning for that possible eventuality – our horses might get sick or injured unexpectedly, lesson programs cover themselves for potential accidents that might take place on their property, and so on. When professional eventers Dom and Jimmie Schramm purchased their new farm in Pennsylvania last year they had no clue what possible eventuality would become reality for them less than one year into owning the property.

“This place is just a little slice of heaven,” Jimmie shared. “It is 17 or 18 aces. The front of it is all parkland so nothing will be built across the street and the backside of it has a road that hacks up to Boyd [Martin]’s, so we are just a 10-15 minute hack from the cross-country and the indoor there.”

The Schramm's little slice of heaven prior to the fire. Photo courtesy of Jimmie Schramm.


While the Schramms weren’t necessarily shopping for a farm when this property fell into their lap, they couldn’t pass up the opportunity. In order to process the mortgage, the property had to be insured. Having worked with Parker Equine Insurance before, Jimmie knew just who to call to get the coverage lined out in a timely and professional manner. Within 24 hours Donna Chopp-Parker of Parker Equine Insurance had everything lined out to cover the farm and the home on the property where the Schramms would reside as well.

Following the close of their farm in February, the Schramms moved in and settled their program into their new farm. As winter crept up, they made plans to head to Wellington, Florida at the start of the new year to escape the Pennsylvania winters and continue the training of their horses. They sent their horses down south with a commercial shipper and Jimmie got on a plane that same evening to fly down and settle the horses, leaving Dom at the farm to drive their truck and trailer down the following day. Nobody knew what the next 24 hours would hold for them.

“It was just Dom at the farm with our dog Vegemite. It was late and it was freezing with snow on the ground, so he made a little fire in the wood-burning fireplace. He was relaxing with Veggie before bed when he started to hear something that sounded like a dripping sound. His first thought was that a pipe had burst, so he ran all over the house but he couldn’t find anything. When he came back into the living room where the fireplace was he noticed the sound was getting louder and he had this inclination that something weird was going on with the fire.”

Dom ran out to the barn to get the fire extinguisher and put in a call to the local fire department to inform them of the issue. “They were questioning him about if he saw fire and he told them it was still in the fireplace, but he knew something else was going on. He put the fire out in the fireplace and noticed a small crack in the back of the fireplace. It must have rusted or something had happened, but that crack allowed the fire to escape into the house and go up the backside of the chimney and was burning on the outside of the house.”

With it being the dead of winter, none of the outdoor water hoses were attached to any faucets in an attempt to keep them from freezing up. Dom went into action trying to find a hose while waiting for the fire department to arrive, but by the time he was able to begin spraying the house down the fire had already gone all the way up the side of the home.

The aftermath. Photo courtesy of Jimmie Schramm.

“I landed in Florida and had a text and a missed call from my neighbor asking me to call her back, which was odd. So I did and Dom answered and he was just absolutely hysterical about the fire. Thankfully, the fire department was awesome and got there really quickly. After all of the dust settled and the fire was put out and everyone went home, then it was one of these situations of ‘well now what do we do?’”

The house had suffered catastrophic damage, and not just from the fire. “The house is still standing, so to speak, but the whole outside wall, our whole closet, part of our bedroom, the attic space, and all of the roof was gone,” Jimmie shared. “What I didn’t quite realize with a fire is that it is not even so much fire damage that becomes the issue, but it is smoke and water damage. So the house had to be gutted, there is not a thing in it but 2x4s everywhere at the moment.”

It was midnight in West Palm Beach, Florida as Jimmie sorted through her emails and informed the necessary parties relating to their insurance policy of the fire. The team at Parker Equine Insurance went into action.

“Donna has checked in pretty frequently to make sure everything is going the way that it should with the rebuild. They have coordinated everything. They have taken care of the rent we have had since we had to find a new place to stay. They covered the hotel for our working students while we situated a place for them to stay. They have been so good about covering all of the incidentals that have popped up along the way.”

For the Schramms, their home and farm coverage through Parker Equine Insurance has been the one sense of calm amidst this very unexpected storm. Thanks to their home insurance policy, they can look forward to the day that they can return to their rebuilt house on their dream property and continue to work towards their dreams in the saddle from the comfort of their own front lawn.

Jun 29, 2022 Eventing News

USEA President Max Corcoran Appointed USEF Eventing Elite Program and Team Facilitator

On May 1, 2022, Max Corcoran was appointed as the Eventing Elite Program and Team Facilitator. In her role, Corcoran will support the areas of communication, logistics, and management of the teams for the Eventing Programs to deliver sustained success at World and Olympic Games level. As the Facilitator, she will work closely with the interim Chef d’Equipe/Team Manager, Bobby Costello, and eventing staff to build solid lines of communication with athletes, grooms, owners, coaches, veterinarians, and all stakeholders linked to the athletes and develop the structures around the Elite Program and senior U.S. Eventing Team.

Jun 29, 2022 Education

A Case for Warming Up (and How to Do It Correctly) with Kyle Carter

Imagine: you are at the biggest sporting event of your life. The stakes are high, and you have spent countless hours preparing for it. However, you are expected to just show up and immediately perform. You cannot stretch or take a practice swing. You have no time to loosen up or sharpen your eye. Sounds like a recipe for disaster, right? Just like us, our horses need adequate time to warm up each day. A warmup is any preparation for work, and it is often the leading edge of that work. It is the small aid response that becomes the more advanced aid response.

Jun 28, 2022 Hall of Fame

Newest Invitation to USEA's Eventing Hall of Fame Extended to Trish Gilbert

This year a new class will be joining the 47 eventing legends currently in the United States Eventing Association (USEA) Eventing Hall of Fame. Induction into the Hall of Fame is the highest honor awarded within the sport of eventing in the United States. Those invited to join the USEA's Eventing Hall of Fame have truly made a difference in the sport of eventing. Hall of Fame members have included past Association presidents, volunteers, riders, founding fathers, course designers, officials, organizers, horses, horse owners, and coaches

Jun 28, 2022 Rules

Rule Refresher: What Will Be Expected of Me at the Training and Modified Level?

Preparing for your first horse trial and not sure what is expected of you at each level? Over the course of the next few Rule Refreshers, we will be diving into each level and the performance expectations of each phase. Want to better prepare yourself or your students for their first competition or a move-up? The USEA Eventing Handbook by the Levels is a free resource to all USEA members that outlines clear and consistent guidelines for riders and trainers to refer to when navigating their way through the competition levels.

Official Corporate Sponsors of the USEA

Official Joint Therapy Treatment of the USEA

Official Feed of the USEA

Official Saddle of the USEA

Official Real Estate Partner of the USEA

Official Equine Insurance of the USEA

Official Forage of the USEA

Official Supplement Feeding System of the USEA

Official Outerwear of the USEA

Official Competition & Training Apparel of the USEA