How to File a Claim Against a Homeowners Insurance Policy After a Slip and Fall Accident

If you have been the victim of a slip and fall accident on someone else’s property then you may wonder what your legal options are. At The Law Offices of Larry H. Parker we have helped many people file claims against homeowners’ insurance policies. These cases can be much more complex than it may seem on the surface. Keep reading for more details and then contact The Law Offices of Larry H. Parker at 800-333-0000 for a free legal consultation with an experienced personal injury attorney.

Common Slip and Fall Accidents That Occur in Households

A slip and fall accident can happen either indoors or outdoors. Some of the most common types of slip and fall accidents that happen on residential property are caused by spills on floors, loose carpeting, freshly waxed floors, rugs placed in the wrong place, uneven pavement, loose floorboards (or tiles), leaky ceilings that leave puddles on the floor, inadequate maintenance for plant life, accumulated ice or snow, and tripping hazards such as toys or holiday decorations.

Staircase Accidents Are in a Category of Their Own

You may have noticed that staircase accidents, one of the most common types of slip and fall accidents, is not on the above list. This is because they are in a different category altogether. The many potential causes of staircase accidents include loose carpeting, exposed nails or other objects, foreign objects or substances on the stairs, broken or damaged railings, poor construction, loose wood, bunched up stairway runners, and others.

The 3-Step Process to File a Claim Against a Homeowners Policy

Though it is, initially, just a three-step process to get started, filing an injury case against a homeowners’ police can be complex. The first three steps you should take are:

  1. Get medical attention
  2. Notify the homeowners’ insurance company about the injury
  3. Contact a slip and fall attorney.

There are serious mistakes you may inadvertently make if you do not work with an attorney. For example, you may make statements like “The pain isn’t that bad,” or another comment that could potentially be used to try and prove that you were not injured. Do not discuss the injury with the homeowner until you have talked to an attorney.

Do Not Worry if the Homeowner is a Friend or Family Member

It is all too common for a well-meaning person to not file a claim because the injury occurred on the property of a close friend or family member. Remember that you are not suing them directly – the case is against their insurance company. This is the entire reason that they have homeowners’ insurance. If another party was at-fault for your injury, you should not be responsible for the financial consequences of said injury. Contact The Law Offices of Larry H. Parker now at 800-333-0000 to find out if you have grounds for a case.