Does Home Owner’s Insurance Cover Slip and Fall Injuries?

Home insurance form and dollars on the table.

If you’ve been hurt on someone else’s property, your injuries should be covered by their homeowner’s insurance. However, many people are shocked to discover that the insurance may not pay out the full amount of the settlement. When you’re counting on that money to pay your mounting medical bills and make ends meet while retaining some quality of life, this can be a shock you don’t need.

Understanding the potential for limited payment can offset such an unpleasant surprise and help you to take the necessary next steps. Learn the limits of homeowner’s insurance and injuries, what to do to get your full claim paid, and how a Greensboro injury attorney can be of help.

Homeowner’s Insurance and Settlement Limits

When you get a settlement for your premises liability-related accident, technically the settlement goes against the homeowner. However, the payment often comes out of their insurance policy. This can present a problem as they will only be insured up to a certain amount. If, for example, the settlement is worth $300,000, but the homeowner’s policy only covers up to $200,000, you may not see that final $100,000—not right away, in any case.

Technically the homeowner is still on the hook for that extra hundred grand, but if they don’t have it to pay, collecting can be a problem.

Umbrella Coverage

In some cases, a homeowner’s insurance policy might have what is called an “umbrella” coverage provision. This kind of coverage kicks in to handle any damages suffered above normal policy limits. If an umbrella provision exists, it may cover some or all of the remaining damages. This is a best-case scenario, but one that is more common than you might think.

Payment Arrangements

It may be possible, in some cases, to work out payment arrangements for the remaining amount, but you’ll need the best in advice and help to do this. It could also take a long time for the other party to finish paying off the damages in small amounts that they can afford.

When the Insurance Company Tries to Avoid Paying

In an unfortunate number of cases, insurance companies will go to great lengths to reduce the total amount of the settlement or even to avoid paying altogether. Their tactics can range from arguing that your injury is not as serious as you claim, to accusing you of being at fault, or even of not being hurt at all.

Hiring a Greensboro Injury Attorney

If you’re hurt on someone else’s property in North Carolina, you should always seek help from an experienced Greensboro injury attorney. An attorney like those at Mike Lewis can not only stand up to bullying insurance companies but can work with the other side to arrange a fair payment plan if need be.

Over our decades of service, we’ve won over $10 million in verdicts and settlements for our clients, and we are here to help you as well. There’s no fee unless we win your case. Just fill out our case evaluation form or give us a call today to find out how we can help.

Call 866-299-1769 or use the Free Case Evaluation form to schedule a free consultation.
  • Reasons to Hire a Greensboro Car Accident Lawyer

    Reasons to Hire a Greensboro Car Accident Lawyer

    After being hurt in a car accident, it’s common to have to deal with a wave of emotions, including anger and frustration. While this is certainly understandable, it can cause you to respond to the accident the wrong way, possibly …Read More »
  • Getting Your Medical Records: Your Rights

    Getting Your Medical Records: Your Rights

    When the time comes to get access to medical records, it’s imperative that you know your rights. These rights include the ability to access your records whenever you need them, regardless of whether you’re switching doctors, pursuing a personal injury …Read More »
  • Can I Make a Wrongful Death Lawsuit Claim?

    Can I Make a Wrongful Death Lawsuit Claim?

    When someone dies through the fault of another person, there are two types of legal cases that can be brought. The first of these is the criminal case, which can result in prison time, fines, probation or other censures. The …Read More »
  • Protecting Yourself in Adverse Driving Conditions

    Protecting Yourself in Adverse Driving Conditions

    If you’re like many people, then you dread the possibility of being involved in a serious auto accident. While a car wreck can happen virtually any time you get behind the wheel, they are a particular threat during bad weather …Read More »
Call Us Toll Free 866-299-1769