If you’ve been injured at someone else’s home, understanding your rights and options is critical. Many homeowners carry insurance policies that provide liability coverage for injuries sustained on their property. These policies are often mandatory for homeowners with mortgages and are designed to cover various situations, whether the injury was due to negligence or not.

How Does Homeowner's Insurance Work for Injuries? Homeowner’s insurance typically covers:

• Medical expenses
• Lost wages
• Pain and suffering
• Impaired earning capacity

For example, if you slip and fall or sustain an injury during a visit, these damages may be covered, regardless of whether the homeowner was legally negligent. However, policies vary widely and may include exclusions depending on the circumstances of the injury.

Why a Lawyer is Essential Insurance carriers sometimes attempt to deny claims using questionable reasoning. This is where an experienced attorney can make all the difference. A skilled lawyer will:

• Review the homeowner’s policy to ensure your claim is viable
• Identify any overlooked coverage
• Push back against unfair denials
• Ensure all damages, including medical bills and lost income, are accounted for

The complexities of homeowner’s insurance policies require expertise to navigate effectively. Working with an attorney ensures that your rights are protected and you can focus on recovery while they handle the legal challenges.

What Should You Do After an Injury on Someone’s Property?

1. Seek medical attention immediately.
2. Document the scene of the accident.
3. Gather witness statements if available.
4. Contact a lawyer to assess your claim.

At Dwyer Williams Cherkoss, we specialize in personal injury cases involving homeowner’s insurance claims. Our team is dedicated to fighting for your rights and ensuring you receive the compensation you deserve. If you’ve been injured on someone else’s property, call us today at (800) 285-8678 for a free consultation.