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.

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