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How Insurance Covers Florida Accidents on a Homeowner’s Property

December 12, 2023 | Category: Personal Injury | Share

Unfortunately, many people are injured when visiting neighbors and friends. Injuries may result from the visitors’ actions or the homeowner’s negligence. This is why Florida homeowners have property insurance, and accident victims should contact a Fort Myers premises liability lawyer who handles personal injury cases throughout the state of Florida.

How insurance covers FL accidents on a homeowner's propertyThe National Safety Council (NSC) estimated that in 2021, 175,500 preventable injury-related deaths occurred in homes and communities, or about 78 percent of all preventable injury-related deaths that year. This was up from 12.3 percent from the 2020 total of 156,200. Additionally, 52,500,000 people suffered nonfatal medically consulted injuries in 2021.

The most common accidents when visiting others include:

  • Swimming Pool Accidents – When one thinks of Florida, one thinks of homes with swimming pools. Since so many homes have pools, the likelihood of swimming pool accidents is high, especially for children. The Centers for Disease Control and Prevention (CDC) reports that 3 children lose their lives every day, and drowning is a leading cause of death for children aged 1-4 in the United States. It takes fewer than 5 minutes for a drowning to happen so “only looking away for a minute” can cause major injuries and death.
  • Slip and Fall Accidents – Slip and fall accidents can be serious, especially for young children, the elderly, and those with disabilities. If the injured victims are not taken care of promptly, their injuries may become more severe or lead to death.
  • Trampoline Accidents – Trampolines may be a great way to encourage children to be active outside, but they come with an increase in injuries, especially if the homeowner does not have a safety net around the trampoline, if it is broken or dangerous, or the yard is not fenced. 

Florida Accident Victims’ Legal Rights 

Whenever a person is injured, it creates a traumatic situation, perhaps even more so if the accident happened on a friend’s or a relative’s property. However, the injury may be very serious and cause life-long changes such as: 

Very serious injuries may require years of recuperation and life-changing accommodations. The cost of ongoing medical expenses, therapy, prescriptions, in-home health care, lost wages, and many other unforeseen expenses can create hardship for the accident victim and his/her family. That is why Florida homeowners’ insurance policies may alleviate these challenges.

What Florida Homeowner’s Policies Cover

“It is important to contact Spivey Law Firm, Personal Injury Attorneys, P.A. immediately after seeking medical attention. There are no costs or attorney fees until we receive a monetary recovery for you. Because homeowner’s insurance policies are all a little different, we have the expertise to help determine whether your injuries may be covered by the policy. We encourage you not to go it alone with insurance companies, as they work for the insurance company, not the policyholder or you,” said Fort Myers Premises Liability Attorney Randall Spivey.

Proving Negligence in a Florida Premises Liability Case

You and your legal team must prove that the homeowner was negligent to win a premises liability or personal injury lawsuit and receive compensation for your injuries.

For example, if you fall down the stairs at your neighbor’s house, you may have lost your footing and simply slipped. In that instance, the homeowner would not necessarily be considered negligent. However, if the steps were wood and rotting and the neighbor knew it but failed to repair the steps, then he or she could be considered negligent. Homeowners may not be found liable if the presence of the hazard was unknown to them.

Fort Myers Premises Liability Attorneys Assist Injured People

If you or a loved one should be injured because of the negligence of another, please contact Spivey Law Firm, Personal Injury Attorneys, P.A. at 239.337.7483, toll-free at 1.888.477.4839, or online at SpiveyLaw.com. We represent people involved in numerous types of personal injury and wrongful death accidents throughout the state of Florida. All of our clients have unique personal injury cases. Our firm provides personal contact and communication along with aggressive representation.

 

 

 

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