If you have been injured in someone’s home, you may make a claim against the home’s insurance policy. The owner of the home is referred to as the “insured” in a homeowners policy. A typical homeowners insurance policy provides liability coverage to the insured when someone not living with the insured is injured on the insured’s property due to a defect or hazard on the property or due to the negligence of an insured.
For example, if you cut your leg in someone’s West Bank home due to a jagged piece of metal on a kitchen table, you may be able to make a homeowners policy claim for personal injury and medical expenses due to the hazard created by the jagged metal.
Typical claims made on homeowners policies include:
- Slip and falls/trip and falls
- Dog bites or animal attacks.
- Neighborhood damage (e.g., busted windows due to footballs)
- Libel and slander
- Food poisoning claims
However, all policies include exclusions, and every policy is different. For instance, homeowners policies exclude coverage for acts where the insured intentionally meant to cause harm to the victim. Also, many policies exclude certain dog breeds (e.g., pit bulls) from coverage. Thus, if you are injured while at someone’s home or condo, it is important to contact an attorney experienced in making claims against homeowners policies. An experienced attorney will read the home’s insurance policy and explain whether your specific injury will be covered.
Law Office of Donald D’Aunoy Jr. has a West Bank office in Harvey and East Bank office in Metairie. Please contact us if you have questions about homeowners insurance claims.