A homeowner’s insurance policy is a combination of property insurance and liability insurance as a way to cover nearly every kind of accident that could happen at home. As a condition of coverage, the insurance carrier holding the policy is required to provide a legal defense in the event that others sue the homeowner for any injury or fatality occurring on the property. These types of claims may appear to be clear-cut. However, numerous homeowner insurance policy disputes can make things complicated.
Homeowner liability accident claim
In some situations, the insurance carrier will fail to provide a defense to a homeowner facing a third party liability claim. Other times, the insurance company will delay or deny the claim, or offer minimal compensation for any property damage caused by vandalism, theft, sinkhole, wind, fire or other cause.
In many situations, homeowners filing a claim will disagree with the insurance carrier or the worth of damaged or lost property. Disputes are often decided on interpreting the policy and its exclusions. Usually, this requires the skills of a competent attorney who specializes in homeowner liability claims, especially when the insurance company acts in bad faith.
Kinds of Residential Home Accidents in Rhode Island
Common residential home accidents that happen to occupants and visitors in RI include:
• Slip and fall injury
• Drowning and other wrongful death
• Burns and scalds
• Dangerous insect bites
• Building or remodeling construction injury
• Assault and battery
• Water heater, home appliance, fireplace and furnace injury
• Fire and smoke inhalation
• Choking and suffocation
Filing a Claim against the Homeowner in the Ocean State
While the home is considered a safe haven, it is often a dangerous place. When an occupant or visitor slips and falls in a home in Rhode Island, they can be hospitalized because of a hazardous or hidden condition. Falling off a ladder, drowning in the backyard pool or slipping on an icy entryway can cause death or serious injury. Even the household pet biting a visitor can cause significant harm, which can lead to a homeowner liability claim or lawsuit to cover damages and losses.
While a visitor might be reluctant in filing a claim against the homeowner who is likely a friend, family member or acquaintance, compensation is actually provided through the homeowner’s insurance policy. The claim is brought against the homeowner, but the insurance carrier usually pays the claim. The property owner in Rhode Island (RI) purchased the insurance as a way to protect against any bad event that could happen around the house.
Compensation Challenges in Homeowner’s claims
Filing a claim against the homeowner in Cranston, Warwick, or East Greenwich when injured on their property involves premise liability laws. Filing a claim or lawsuit in Rhode Island can be complex. Because of that, many injured victims will hire a Providence personal injury attorney to handle their premise liability claim. A skilled East Providence premises liability attorney can serve as a legal representative and perform a variety of services including:
• Identify the coverage and limitations on the homeowner’s insurance policy
• File a homeowner’s liability insurance claim for financial recompense
• Determine what type of negligence was involved in the accident or incident
• Negotiate with the claims adjuster for an out-of-court settlement or file a lawsuit to take the case to trial
A trip and fall attorney in RI
The Woonsocket, Pawtucket or Central Falls Slip and Fall lawyer can help determine negligence and the value of the claim. Through legal expertise, a skilled RI trip and fall attorney can maximize the amount of compensation paid from the policy. Allowing the RI negligence lawyer to provide legal services provides the opportunity for the injured party to focus on healing.
Barrington, Bristol and Warren Personal injury law firms accept RI homeowner liability claims and lawsuits on contingency. This means their legal services are paid through a jury award or out-of-court settlement. You can discuss your case with a skilled Providence personal injury attorney in a no obligation, free initial consultation where you will be provided with a variety of legal options to obtain financial compensation.