Be prepared with homeowners insurance

It is always important to keep your homeowners insurance current and up-to-date in the event of a personal injury, such as a trip and fall accident, that happens on your property. You might ask if such an accident is covered by your homeowners insurance. Homeowners insurance usually has two separate coverage types – liability coverage and medical payment coverage. For all homeowners, it is important to have Slip and Fall Accidents and Premises Liability, in the event someone does slip and fall on your property.

As a homeowner, it is important to be sure that your property is safe and secure, for adults as well as children. There are some common places on your property where accidents can happen more easily. For instance, porches, staircases, and rugs within your property can cause some major hazards if not secured properly. A common problem is when homeowners place rugs or carpeting on porches or staircases, but then don’t secure them down properly. Rugs and carpeting need to have proper grip pads underneath them when placed on porches and staircases.

If the handrails on a porch or staircase are poorly designed or if they don’t exist at all, this can cause a trip and fall accident. If the risers (or the height of each step) on a porch or staircase are the wrong height or are varying heights within the staircase, this can also be a hazardous issue. Additionally, if the steps on a porch are too shallow, this can be a safety issue when adults or children are walking up or down them repeatedly. Another safety issue is when the railings of a porch or staircase are too narrow where a child could slip through them and fall. This is a common issue that must be addressed on decks and balconies.

What happens if the porch is not secured and there is a trip and fall accident on your property? Is it considered to be your fault, since it happened on your property?  Were you careless in any way that would have caused the trip and fall? These are all questions related to liability and who would be at fault in a trip and fall accident on the homeowner’s property.

If there is a trip and fall accident on your property, it is important to report the injury to your homeowner’s insurance company. If you file a claim with your homeowners policy regarding a trip and fall accident, be prepared for questions because an insurance adjuster will almost certainly ask numerous questions related to the incident. For instance, did poor or broken lighting contribute to the slip and fall? Does the homeowner regularly examine or repair any problems on the premises? If a guest tripped over a broken or loose carpet or flooring, how long was it not secured correctly? Did the homeowner already know about the problem but had not fixed it yet? These are important questions, and it would be best to contact your homeowners insurance adjuster or seek legal advice.

Fried Chicken Beer

Craft breweries are known for creating a world of new beer flavor creations. This is a part of the growing appeal of these independent companies. Due to their size and their independent management, craft brewers have the freedom to experiment and to use their creativity to create practically any flavor of beer you can imagine. Some of these flavors may sound immediately appealing, while others might make you raise an eyebrow. wrote an article about one such beer that has recently come on the market called a Fried Chicken Double IPA.

Two brewing companies out of Richmond, Virginia, The Veil Brewing Co. and Evil Twin Brewing, have come together to create a wild new beer flavor that has shocked many beer drinkers. Although the brewers state the beer does not taste like fried chicken, they do add a small amount of fried chicken during the brewing process. This offers a brand new flavor possibility to their beer that both owners are very excited about. This same brewery created an Oreo beer last year that quickly became an internet sensation. The brewers seem thrilled about the ability to use new ingredients during the brewing process to learn how it will react with the standard base of the beer. Their latest creation, the Fried fried chicken beer, is an 8% ABV brew with the base flavor coming from an Old Country Double IPA. This beer has a combination of Citra, Simcoe, and Enigma hops, which blend together with the fried chicken to make a unique flavor. Many beer drinkers who are already a fan of these breweries are excited to see what kind of flavor combinations Veil Brewing Co. will come up with next.

While this beer sounds almost like something out of a story, the new brew hit the market in July of 2017. Flavor combinations such as this demonstrate the power of craft breweries in the American beer market. For decades, most beers tasted and looked fairly similar, with generally bland flavorings. However, the market is being revolutionized by the creativity of independent brewers. Although fried chicken beer may not be everyone’s first choice of drink, it is just one of the thousands of different flavors and styles available in craft beers. This surge in inventive new beer flavors and styles have broken down the barriers of what brewers once thought possible.

Although many people may like to try all the new flavors of beer available, independent companies simply do not have the ability to make their brews widely available across the country. You simply cannot purchase many craft beers in groceries stores because the brewery only creates a small amount of their product each year. However, companies like Growler Chill, are helping to make craft beer more readily available for your home. Their product allows you to store and chill your favorite craft beer and provides you with on-tap freshness. With their help, maybe one day we can all try a glass of fried chicken beer.

Slipping and Falling Accidents

A property owner has the legal responsibility of making his property safe. If he fails to do this, and a person ends up getting hurt, he may be held accountable for the damages, such as the medical costs of treating the victim’s injury and the lost wages as the victim has not been able to work because of the physical limitation. This is called premises liability.

According to the website of these Tucson accident lawyers, slip and fall accidents are under premises liability. But what is a slip and fall in the first place? A slip and fall is just what those words suggest – you slip in the property and fall strong enough into the ground to get injured.

The main component of a premises liability case is the negligence of the property owner. This also applies for slip and fall accidents. If it can be proven that the property owner has been negligent, and this negligence has resulted into the injury of another, then it may be a legitimate premises liability case.

But how can a property owner be negligent? There are three conditions:

  • He has created the dangerous condition that has led to the slip and fall accident
  • The dangerous condition has been there long enough to be seen and fixed by a reasonable property owner
  • Because of the property owner’s failure to see or fix the condition, the condition ends up hurting another person

Most of these conditions are the result of the lack of maintenance, such as the following:

  • Buildup of ice, rainwater, or snow in the sidewalk
  • Buildup of leaves and other debris
  • Cylindrical objects that may rollover, like pipes
  • Defective facilities, like elevators, escalators, and stairs
  • Unattended slippery materials on the floor, like spilled drinks
  • Worn carpets, rugs, and other textiles on the floor

Property owners should regularly clean their premises, inspect their facilities, equipment, and furniture, and have enough security to see potential hazards like spilled water. They owe it to themselves and their visitors to make their premises safe.

It is a Property Owner’s Responsibility to Ensure the Safety of Their Premises

Slip and fall accidents are among the top causes of serious injuries in the U.S. Data from the National Safety Council (NSC) Injury Facts show that there are more than 8 million victims of this type of accident every year.

According to the Consumer Product Safety Commission (CPSC), some of the most serious effects of a slip and fall accident are fracture to the hip, torn muscle and ligament, knee injury and broken bones (wrist and/or elbow), and the ones who are most prone to it are people 55 years old and above. Though it may just be a simple accident to many, it is enough to alter an elderly victim’s life and make him/her incapable of further enjoying years filled with worthwhile activities.

A slip and fall accident can occur in any dangerous property, that is, where there are trip hazards that are not noticeable, exposed wires, uncovered metal or wooden pegs, unnecessary clutter, no warning signs, especially on wet surfaces, uneven floors or walkway, moss-filled floors, inadequate lighting along walkways, unstable surfaces, no railings or guardrails, exposed wires, and so forth. It can happen in hospitals, inside a church, inside a mall or a restaurant, beside a pool, in the office – practically, anywhere, where the owner of a premise is negligent or careless enough as to allow accident-causing elements to remain in his/her area of responsibility.

Sadly, many lack concern in cleaning their own mess, and still many more do not have the initiative to clean their premises – to make sure that everything is safe. If they do not want to tidy up things for others’ sake, then, at least, they should get rid of any hazard for their own safety. Always, the victim of such lack of concern, carelessness or negligence, is someone who is totally unaware of a possible slip or trip hazard.

Injuries resulting from a slip and fall accident are called personal injuries. Under the law, the person or party liable for such accident is always the property owner. Thus, owners should be aware that after an accident due to their negligence, a claim lawsuit is sure to follow. This is clearly indicated in an article posted at This article says, whether you are visiting a store, walking along a sidewalk, or simply out and about, you expect a reasonable level of safety from environmental danger. At the very least, you want adequate warning when there are unsafe conditions. However, there are times when unsafe conditions crop up without warning and cause people to get hurt. It is a property owner’s responsibility to ensure the safety of their premises. When they fail to do so, injured people can hold them accountable for allowing dangerous conditions to persist.

Truck Driver Errors

Most traffic accidents happen because of driver error, and truck accidents are no exception to this. Most of the time, the truck drivers are at fault. It can be argued that truck drivers should actually be more careful compared to ordinary drivers, because the vehicles they operate are much heavier and larger. It will not be wise to trigger an accident.
The website mentions that those who have been hurt in truck accidents because of somebody else’s fault, like the truck driver’s, may pursue legal action against the responsible parties, such as trying to get compensation from the damages they have sustained.
This means that truck drivers are legally obligated to operate safely. But to do so, it is important to enumerate the most common truck driving errors, so they can cautiously avoid them.

Obviously Reckless Behaviors

Doing obviously reckless behaviors while on the wheel is just unacceptable. Firstly, the behaviors are known to be dangerous already, so there is no reason for truck drivers to do them. Secondly, choosing to do the obviously reckless behavior is also negligent, because they are operating vehicles that may have high impacts during road accidents. Below are the most common behaviors that are obviously reckless:

  • Driving while fatigued, especially when intentionally doing so just to fulfil a quota or a specific task
  • Driving while under the influence of alcohol, illegal drugs, medication, and other products that may cause impairment
  • Speeding, either by going above the speed limit or driving too fast when the road and weather conditions are considered
  • Blatant disregard of traffic rules, particularly right-of-way and turning issues

Faintly Reckless Behaviors

Some reckless behaviors are not as obvious as drunk driving and speeding, but they are just as equally dangerous. Some of these behaviors drivers know to be reckless but do anyway because they are not as threatening as other reckless behaviors, while some arise from the drivers’ ignorance. Below are the most common ones:

  • Driving with excessive weight, usually in the form of too much cargo in the trailer
  • Failing to maintain the truck, making it more prone to wear and tear and defects
  • Getting too close to other vehicles, like tailgating and weaving through traffic
  • Not considering blind spots while driving, considering that trucks have wider blind spots compared to other vehicles
  • Not using turn signals, especially during turning movements in intersections