Homeowners insurance is a wonderful thing to have in case something happens to your home. It can also protect you if someone gets injured on your property. However, having a policy isn’t good enough. You must also be aware of what steps to take when facing a potential claim.
In her recent article for the Equifax Finance Blog, “
Homeowners Insurance: Someone Gets Hurt On Your Property” Linda Rey offers homeowners advice for dealing with injuries on their property.
The first thing that needs to be assessed is the extent of the injuries. Are they serious enough to warrant a 911 call?
After that, depending on your relationship with the injured party, the police may need to be called so both parties can make statements.
Next, be sure and take photos of the situation. Try and photograph any injuries and the area of your property where the injury occurred.
Depending on how the injured party wants to handle the situation, more work may be required on our part. If the injured party is merely looking for reimbursement of medical costs, this could be a best case scenario. Of course, if the person is looking to sue you or claim damages beyond what your insurance policy covers, the aforementioned steps become even more important.
Either way, be sure and call your insurance agent as soon as possible for more guidance on how to handle a situation. The sooner you bring in an agent, the sooner he or she can assess the situation and offer advice.
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