Accidents happen when new homes are being built, remodeled, or repaired. Accidents also happen when yards are not kept properly, when visitors step in holes hidden by grass, trip on cracked sidewalks and driveways, trip on toys or other items left on the ground, and many other situations. Adults and children are injured by negligence of homeowners and they have a legal claim against the homeowner and their homeowner’s insurance.
Many people do not know that most homeowners carry homeowner’s insurance and fail to make a claim when they are injured in the home or on the property owned by an individual. In addition to these types of injuries, Homeowner’s insurance also covered acts of homeowners away from home. Negligence in using skateboards, roller skates, bicycles, trampolines and just about every type of injury resulting from situations involving the ownership of a home are covered. There is property damage coverage and liability coverage, the same as the liability coverage for automobiles.
Some of the most common homeowner or residential claims are related to:
- Slip or trip and fall hazards – Holes under the lawn, cracks in sidewalks and driveways
- Defective toys or leaving them laying around
- Playground equipment – Trampolines, Bicycles, Skateboards, ATV’s, Motorcycles
- Swimming pools and hot tubs
- Dog bites
- Vehicle accidents near a residence
- Burns and fires
- Construction or remodeling accidents
- Assault and Battery
- Other Criminal Conduct by a Home Owner or their Children
- Theft & Burglary
Everyone knows that you can make a claim against the insurance of someone who is at fault in an automobile accident. Homeowner’s Insurance is just like auto insurance except that it pays when a homeowner is at fault. Do not make the mistake of not checking with a lawyer after an injury at a residence. Most people are surprised that Homeowner’s Insurance covers these types of claims.
Homeowners have a legal duty to protect visitors from injury. Most home owners have purchased Homes Owner’s Insurance to pay for medical bills, lost wages, disability, pain and suffering and all other legal personal injury damages.
The Ogletree Abbott Law Firm welcomes your questions about any injury, disease or death. It costs nothing for you to ask a question either by telephone, email or by our Live Chat feature. The communication can be anonymous and will always be confidential. Please call us at 713-223-1234 or use our toll-free number 1-800-779-4950. Our email address is info@OgletreeAbbott.com.