What Does Homeowners Insurance Cover?

cartwrightlaw - November 16, 2022 -

Everyone with a mortgage and home in America must carry homeowner’s insurance. But if disaster strikes, you don’t know if your coverage will help. Will the company pay damages? If you are negligent, you could have to pay out of pocket if the insurance company denies the claim. In addition, insurance policies vary by company, so it’s critical to know what your policy covers. 

Whether you or someone else was injured on your property, it’s essential to learn what most homeowner’s policies cover below. Talk to a California personal injury attorney today if you have questions about a case. 

Homeowners Insurance And Personal Injury Claims

If someone is injured on the homeowner’s property, the insurance policy will usually pay that person’s medical bills, lost wages, personal property losses, and other damages. But, to qualify for those benefits, the homeowner must have been negligent. Or, they must have intended to harm you. 

If the injury occurred on the person’s property because of negligence, your personal injury attorney would review the defendant’s homeowner’s policy to determine what it covers. 

So, homeowner’s insurance in California will often cover your damages in this scenario. Now, let’s look at when you can file a lawsuit and receive damages for injuries on someone’s property. 

When To Sue A Property Owner

It is possible to get compensation from the homeowner’s policy, but it depends on the situation. The state will examine why you were on the property and how it happened. For example, you can usually file a claim if you slip and fall on someone’s property. 

However, in California, you must have been invited to the property or had a business purpose to be there. The homeowner also must have been negligent and caused your injuries. For instance, if the homeowner had ice on their driveway and you fell, they may have been negligent. The insurance policy may cover your injuries and damages up to policy limits. 

Other situations where filing a claim on the homeowner’s insurance policy may help are: 

• Dog bites
• Burns from a fire on the property
• Falls on stairs, broken railings
• Assault or battery because of inadequate supervision

There also are some car accidents where the negligent party’s homeowner policy could cover your damages. Your personal injury attorney should review the accident and insurance policies to determine if your damage would be covered. 

For example, you seriously injure your back in a fall on the property caused by their negligence. You could receive up to $200,000, depending on damages. However, most personal injury claims are settled far below the policy limits. 

In a few cases, a personal injury claim can exceed policy limits. Then, the homeowner would have to pay any additional damages out of pocket. Some homeowner’s policies have an umbrella rider that will offer more protection if a claim is above policy limits. 

If you’re the homeowner, it’s wise to carry plenty of insurance. Even if your premium goes to $20 per month, it could come in handy if someone is injured in your home. 

How To File A Lawsuit On The Homeowners Policy 

You could file a claim if the homeowner’s negligence hurt you. The homeowner is required to repair or warn you about risks on the property. They could be liable for your injuries if they do not follow these rules. However, how do you file a claim on their homeowner’s policy? These suggestions may help: 

• Tell their insurance company about the accident on their property. 
• Give the insurance company a detailed account of the accident and how it happened. 
• Give them a list of the types of compensation you want for your damages. For example, if the accident happened at a business, file the claim against their commercial policy. 
• Go over the homeowner’s policy with your personal injury attorney to determine if you are covered. 
• Work with the attorney to write a demand letter to send to the insurance company. 

How A California Personal Injury Attorney Helps With A Homeowners Claim

No matter who or what you file the claim against, a long list of administrative and legal tasks will take a lot of time. You can do some of it on your own. However, people with serious injuries may want to avoid dealing with tough insurance companies when recovering. 

Your injury attorney handles insurance negotiations for a living. Therefore, they are usually the best person to handle the homeowner’s insurance company. This is especially true if the insurance provider denies coverage or tries to pay you as little as possible. 

The attorney will investigate how the accident happened, talk to witnesses, check the accident scene, and collect other evidence to prove your case. After a thorough investigation, the attorney will draft a demand letter to send to the homeowner’s insurance company. Many insurance providers will make a fair settlement at this point to avoid the uncertainty and expense of a lawsuit. 

Remember that personal injury attorneys work on a contingency agreement with injured clients. This means you do not pay legal fees upfront. Instead, you only pay the attorney if they negotiate a fair settlement or obtain a favorable jury verdict. 

That is why it is wise to talk to a personal injury lawyer if someone was negligent. If there is no case, the attorney will turn it down. They only take cases that will pay a certain amount of damages. So, there is nothing to lose by talking to your lawyer and much to gain! 

Contact A California Personal Injury Attorney Today 

If someone was hurt on your property, you might wonder if homeowner’s protection will protect you. Or, if you were hurt, you want to know if the negligent party’s insurance will cover you. It may, but it is best to have your case reviewed by a California personal injury attorney. 

The Cartwright Law Firm, Inc. has years of experience handling personal injury claims in California, so contact us today with our online contact form. We can review the case to determine if homeowner’s insurance can help with your claim. 

Everyone with a mortgage and home in America must carry homeowner’s insurance. But if disaster strikes, you don’t know if your coverage will help. Will the company pay damages? If you are negligent, you could have to pay out of pocket if the insurance company denies the claim. In addition, insurance policies vary by company, so it’s critical to know what your policy covers. 

Whether you or someone else was injured on your property, it’s essential to learn what most homeowner’s policies cover below. Talk to a California personal injury attorney today if you have questions about a case. 

Homeowners Insurance And Personal Injury Claims

If someone is injured on the homeowner’s property, the insurance policy will usually pay that person’s medical bills, lost wages, personal property losses, and other damages. But, to qualify for those benefits, the homeowner must have been negligent. Or, they must have intended to harm you. 

If the injury occurred on the person’s property because of negligence, your personal injury attorney would review the defendant’s homeowner’s policy to determine what it covers. 

So, homeowner’s insurance in California will often cover your damages in this scenario. Now, let’s look at when you can file a lawsuit and receive damages for injuries on someone’s property. 

When To Sue A Property Owner

It is possible to get compensation from the homeowner’s policy, but it depends on the situation. The state will examine why you were on the property and how it happened. For example, you can usually file a claim if you slip and fall on someone’s property. 

However, in California, you must have been invited to the property or had a business purpose to be there. The homeowner also must have been negligent and caused your injuries. For instance, if the homeowner had ice on their driveway and you fell, they may have been negligent. The insurance policy may cover your injuries and damages up to policy limits. 

Other situations where filing a claim on the homeowner’s insurance policy may help are: 

• Dog bites
• Burns from a fire on the property
• Falls on stairs, broken railings
• Assault or battery because of inadequate supervision

There also are some car accidents where the negligent party’s homeowner policy could cover your damages. Your personal injury attorney should review the accident and insurance policies to determine if your damage would be covered. 

For example, you seriously injure your back in a fall on the property caused by their negligence. You could receive up to $200,000, depending on damages. However, most personal injury claims are settled far below the policy limits. 

In a few cases, a personal injury claim can exceed policy limits. Then, the homeowner would have to pay any additional damages out of pocket. Some homeowner’s policies have an umbrella rider that will offer more protection if a claim is above policy limits. 

If you’re the homeowner, it’s wise to carry plenty of insurance. Even if your premium goes to $20 per month, it could come in handy if someone is injured in your home. 

How To File A Lawsuit On The Homeowners Policy 

You could file a claim if the homeowner’s negligence hurt you. The homeowner is required to repair or warn you about risks on the property. They could be liable for your injuries if they do not follow these rules. However, how do you file a claim on their homeowner’s policy? These suggestions may help: 

• Tell their insurance company about the accident on their property. 
• Give the insurance company a detailed account of the accident and how it happened. 
• Give them a list of the types of compensation you want for your damages. For example, if the accident happened at a business, file the claim against their commercial policy. 
• Go over the homeowner’s policy with your personal injury attorney to determine if you are covered. 
• Work with the attorney to write a demand letter to send to the insurance company. 

How A California Personal Injury Attorney Helps With A Homeowners Claim

No matter who or what you file the claim against, a long list of administrative and legal tasks will take a lot of time. You can do some of it on your own. However, people with serious injuries may want to avoid dealing with tough insurance companies when recovering. 

Your injury attorney handles insurance negotiations for a living. Therefore, they are usually the best person to handle the homeowner’s insurance company. This is especially true if the insurance provider denies coverage or tries to pay you as little as possible. 

The attorney will investigate how the accident happened, talk to witnesses, check the accident scene, and collect other evidence to prove your case. After a thorough investigation, the attorney will draft a demand letter to send to the homeowner’s insurance company. Many insurance providers will make a fair settlement at this point to avoid the uncertainty and expense of a lawsuit. 

Remember that personal injury attorneys work on a contingency agreement with injured clients. This means you do not pay legal fees upfront. Instead, you only pay the attorney if they negotiate a fair settlement or obtain a favorable jury verdict. 

That is why it is wise to talk to a personal injury lawyer if someone was negligent. If there is no case, the attorney will turn it down. They only take cases that will pay a certain amount of damages. So, there is nothing to lose by talking to your lawyer and much to gain! 

Contact A California Personal Injury Attorney Today 

If someone was hurt on your property, you might wonder if homeowner’s protection will protect you. Or, if you were hurt, you want to know if the negligent party’s insurance will cover you. It may, but it is best to have your case reviewed by a California personal injury attorney. 

The Cartwright Law Firm, Inc. has years of experience handling personal injury claims in California, so contact us today with our online contact form. We can review the case to determine if homeowner’s insurance can help with your claim. 

Our successful case results are a reflection of the values and virtues we believe in and uphold at Cartwright Law Firm. Nothing stops us from pursuing justice on behalf of those who need it.

Robert E. Cartwright Jr.
Founder and Managing Partner