What happens if you slip and fall on residential property? Can you make an injury claim against a homeowner’s insurance policy? Let’s take a closer look.
The homeowner can only be held liable for the fall if he/she was negligent and they provided an unreasonably safe condition. A homeowner is not responsible when it was the individuals own negligence that caused them to fall. For example if someone’s shoelace is untied and they slip and fall in a home, the homeowner is not at fault. However, if someone slips on the stairs because the handrail is poorly attached to the wall and there are foreign substances on the steps, the homeowner can be held liable.
Other examples where the homeowner can be held liable include:
- Shallow steps
- Uneven risers
- Rugs without proper grip padding
- Waxed/slippery floors
Each case is different and it can be difficult to prove that the homeowner is responsible for your slip and fall. It is important for you to take pictures after the accident and gather all the evidence you can from the scene. It is also important to document any injuries you may have sustained from the fall. Most importantly contact a professional, experienced attorney to see if you have the potential to file a lawsuit.