Home is supposed to be a safe place, not just for you but anyone that comes on to your property. You try to take care of your lawn & trim trees, shovel snow in the winter and fix uneven floorboards on your deck. Sometimes you’re better than other times.
Even with all that upkeep, there are possible hazards in your home and on your property that could cause (accidental) harm to others. A simple slip & fall could land you a hefty bill if a lawsuit is filed & your home insurance policy doesn’t fully cover you.
These are 5 common liability claims that a homeowners could face.
Dog bites
Did you know that most insurance policies cover damages or injuries that are caused by members of your household? Probably. But did you know that pets are often included in that coverage? Apart from some dog breeds, dogs that are at a lower (perceived) risk of biting are considered members of your household & therefore covered by your policy.
In the home or on the property
Accidents ranging from a guest tripping on a carpet that isn’t properly secured or falling through a broken stair are fair game. Even those door-to-door salespeople who come on to your property without your permission. Neglect on your part to clear a sidewalk or path to your front door could mean you’re left on the hook.
Guests under the influence
Hosting a party at home or an event at another location, the liability you have over your guests remains in place. When alcohol is involved and a person becomes intoxicated, any harm they may cause to another person or to property could be your responsibility. Hiring a bartender can help monitor the amount of alcohol guests are consuming.
Falling trees
The extra weight of snow and ice weigh down small trees and branches makes them prime candidates for snapping off and crashing into whatever’s below. It’s a good idea to trim trees and any overhang in the fall before things freeze.
Domestic workers
It is becoming more common for families to hire help around the home. From nanny’s to maintenance workers each person hired to work on your property increases your liability should that person get injured while at work. Sometimes workers can have workers compensation in the event of lost wages, so it’s important to do your research ahead of time.
If you have been injured, and need legal assistance, call #1000 on your cell phone for free. We will offer you a free claim assessment.
