With slip and fall accidents, there is hardly a location where they can occur. This is one of the first questions that comes to mind when such an accident occurs: Is homeowners’ insurance enforceable? Many residents in St. Petersburg would be startled to learn that their policy may provide coverage for medical bills or legal challenges, depending on how the accident occurred.
Two Relevant Coverages in a Slip-And-Falls Situation
Homeowners insurance usually contains two relevant coverages in a slip-and-falls situation: medical payments and personal liability coverage. Medical payments coverage helps pay for immediate medical expenses in instances where a guest is injured on your property, regardless of who was at fault. This could include costs such as emergency room visits, X-rays, or physical therapy. The coverage is limited in amount, but it may be enough for minor injuries that do not require legal action.
As personal liability coverage, on the other hand, kicks in whenever the injured person files a claim or brings a lawsuit. This coverage can pay for legal fees, settlements, and damages if the fall was due to the property owner’s negligence — i.e., wet floor, uneven steps, or poor lighting. This holds the homeowner harmless for large expenses incurred regarding an injury claim.
What Is Not Covered?
However, not all slip-and-fall accidents will be covered. Most homeowners’ insurance policies exclude injuries sustained by household members and those stemming from one or more intentional acts. Further, when there are poor maintenance practices and hazards not rectified, the insurer may deny a claim for negligence.
Bottom Line!
For homeowners in St. Petersburg, a good practice is to review your policy while ensuring the property is safe. Simple measures, fixing loose tiles, lighting improvements, and cleaning spills promptly, will assist in negating the occurrence of accidents—and the attendant legal headaches.
Should a slip and fall occur, dashing the insurance company a call will put these matters into gear sooner. Knowing your coverage can mean everything to your home and financial security.
This post was written by Kelly-Ann Jenkins of Jenkins Law P.L. Kelly-Ann is an insurance claim Lawyer. The information on this site is not intended to and does not offer legal advice, legal recommendations, or legal representation on any matter. Hiring an attorney is an important decision that should not be based on advertising. You need to consult an attorney for legal advice regarding your situation.
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