5 Common Liability Claims Faced By Homeowners

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.



Skye Oliver5 Common Liability Claims Faced By Homeowners
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Top tips to prevent dog bites

Whether you’re a dog lover, owner or just have dogs in your life they can bring lots of joy and companionship. But sometimes dogs can bite or launch a full-blown attack. However, before it gets to that there are things you can do to prevent dog bites and dog attacks from happening. Here are some key points from Best Friends Animal Society on safety when it comes to canines:

Build on their social skills

Dogs are very social animals and require a lot of attention. Socialize your dog by integrating them into regular activities both inside and outside your home as early as possible. Your aim should be to give your dog a series of positive social experiences to progressively build on their social skills. However, while introducing your dog to new situations, places, people and animals it’s important to exercise caution. Think about where your dog is at in their socialization progress to avoid overwhelming them or putting them in a negative social situation that could end badly.

Take the right approach to training

Training your dog with a certified professional is a great way for your dog to learn suitable behaviour in an effective way. Using positive reinforcement is a great way to encourage positive behaviour over negative behaviour in your dog while building the bond between you and your dog. Using physical punishment or rough play are things that you should avoid with your dog.

Give them lots of exercise

Whether it’s fetch, frequent walks or hiking trips, giving your dog lots of exercise is vitally important. Interaction with your pet with play strengthens the bond between you and the exercise will burn off their energy.

Avoid tying them up and letting them roam independently

Putting your dog in situations where they can potentially feel vulnerable can make them more likely to bite. When your dog’s ability to run away from potential danger is inhibited it can leave them feeling vulnerable, and when potential danger approaches (like another animal or person) they can feel forced to attack. Also, when you let your dog roam on their own it can leave them feeling vulnerable and lead to aggression if they feel confused or scared.

Pay close attention to their behaviour

Take note of your dog’s behaviour and tendencies. If you notice behavioural changes they could be a sign of an underlying medical issue. Take them to the vet to make sure everything is alright.

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.

gray_adminTop tips to prevent dog bites
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