Protect Yourself from Personal Injury Claims at Home
Home is where the heart is….but it’s also where many injuries happen. If someone is injured on your property, they may be able to bring a claim against you. This purpose of this article is to get you thinking about some of the common ways people are injured in residential settings so you can decide whether or not you need to take corrective action and avoid having to deal with a personal-injury lawyer such as myself.
Generally homeowners insurance will cover $100,000 or $300,000 in personal-injury liability. However, exceptions do exist. I suggest you check your policy to see if it specifically excludes personal-injury claims or, if applicable, dog-bite claims.
The Most Common Types of Injury Claims Brought Against Homeowners
- Slip/Trip and Fall (foreign substances on staircases, lack of handrails, uneven floors, rugs without grip underneath, wet -or recently waxed- floors, defective decking, broken driveway pavers)
- Dog Bites
- Pool/Drowning Injuries (you must have a fence that meets code requirements around your pool)
First – it’s important to note that just because someone is injured on your property, does not mean that you are automatically liable. Sometimes people are injured due to their own clumsiness or nobody is to blame.