(MENAFNEditorial)
While states have varying laws regarding slips and falls on private properties homeowners are nearly always responsible for these types of injuries occurring on their property. As such it is crucial to ensure good home insurance is consistently in place to protect against legal action according to Amity Insurance Agency Inc. the region's leading full service agency.
The bottom line is that if homeowners are aware of dangerous conditions on their property and do not fix them despite having ample time to do so they are then responsible for injuries resulting from those conditions. As a general rule a homeowner is liable if any visitor or solicitor is injured making it imperative that all areas of the property where visitors – invited or not – are likely to travel are kept in safe condition.
On the happenstance that a homeowner is sued due to an injury sustained on their property a homeowners’ policy provider will handle it. After the accident is reported the insurer will ask the homeowner for the following:
Photos of the location where the injury occurred
The name of the individual or individuals who fell/were injured and the reason why they were on the property
How the injury occurred
Description of the area prior to the fall
Names of those present at the time to witness the incident
The cause of the unsafe condition that contributed to the injury
When the homeowner became aware of the condition’s existence
Complete honesty with the insurance adjustor is important when answering these questions.
It is important to note that homeowners’ policies are limited on the amount they will pay for these types of accidents so for increased protection it may be wise to consider purchasing additional coverage. This is particularly true for those who have hot tubs pools lakes trampolines or other potential hazards on their property.
To learn more discuss concerns with an agent.
About Amity Insurance
Amity Insurance Agency Inc. is a full-service agency dedicated to meeting your business professional and personal insurance needs.
Amity Insurance is licensed in most states. The agency maintains headquarters at 500 Victory Road North Quincy 02171. For information on products or services please visit www.amityinsurance.com or call (800) 940-4010 to schedule a free analysis of insurance needs.
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