While your home is probably the safest place in the world, the chances of falling or slipping always exist. At times, your guests can even fall at your home, which can cause minor or major injuries. If you are experiencing such a condition, you must be wondering if your homeowner’s insurance covers slips and falls injury. You can talk to your Humble, TX slip and falls lawyer for details.
In this article, we will highlight when homeowners insurance covers slips and falls and other details. So, without any further delay, let’s dive in!
When Does Homeowners Insurance Cover Slips & Falls?
The homeowner’s insurance cover slips and falls only when your guests face such a condition in your property. The insurance covers the medical bills and lost wages due to injuries caused during the accident, regardless of whether you were responsible or not.
When Doesn’t Homeowners Insurance Cover Slips and Falls?
In case you fall on the stairs or wet floor, which resulted in a broken bone or chipped tooth, as a permanent member of the house, you will not be liable for the insurance cover. In such a condition, the medical bills are covered under the health insurance.
What To Do If Someone Sues You For a Slip and Fall Accident?
If you get sued by your guest for a slip and fall accident on your property, take it seriously and respond without wasting time. Here are some steps to follow in case someone sues you for a slip-and-fall accident:
- Notify your insurance company
- Do not admit your fault
- Gather all important information and evidence
- Get in touch with a lawyer
- Consider a settlement
- Follow all legal procedures
- Review your insurance policy
- Do not post anything on social media platforms.
What is Required For a Slip and Fall?
As a permanent member of the home, you will not receive any compensation for a slip or fall in your property. Such a condition generally arises from hazards like liquids on the floors, broken or rotten stairs, insecure, loose or broken floors and rails, torn carpets or problems in the electrical wiring.
How a Personal Injury Lawyer Helps You in a Slip and Fall Case?
A personal injury lawyer is an experienced professional who understands legal terms and helps you in a slip-and-fall case. They collect all required evidence, negotiate with the insurance company representative and try to settle the case.
Slips and falls are common in the home. However, a homeowner’s insurance does not cover the homeowner’s fall, whereas it covers accidents of guests. Thus, hiring an attorney can help in a fair settlement.