Florida Homeowner's Insurance
Generally a typical homeowner's insurance liability policy will cover the homeowner for losses if the insured property is damaged from a fire or a hurricane.
April 23, 2010 /24-7PressRelease/ -- Generally a typical homeowners' insurance liability policy will cover the homeowner for losses if the insured property is damaged from a fire or a hurricane.
Typically, if your home is burglarized and personal possessions are stolen a homeowner's policy will cover the loss of any deductibles. If you own a pet such as a dog or a cat, make sure your homeowner's policy covers you for any injuries your animal may cause any visitors to your home such as friends, pizza delivery persons, mailmen or guests. Increasingly the homeowners' insurance carrier's policies are excluding coverage for losses caused by an animal in your household such as a dog or cat. These provisions are called animal exclusion clauses under the liability portion of your homeowners' insurance policy.
However, you have to knowingly reject this coverage by signing your name to a provision that is called a waiver. A waiver will typically state as follows: "I hereby understand that this policy does not cover any losses caused by any animal on my premises." If you sign this waiver and subsequently someone is injured by your animal at your home then your homeowners' insurance company can legally deny you any coverage against any claims made by the injured person. The homeowners' insurance company can also legally refuse to defend against any claims filed against you if a lawsuit is filed. Thus you would be personally responsible for paying any such claim which may include medical expenses, wage loss, scarring and pain and suffering damages of the injured person. If the injured person sues you, then you would have to hire and pay for an attorney out of your pocket to defend you against the lawsuit.
If your homeowners' insurance company tries to get you to sign an animal liability waiver you need to decline and, if necessary, shop around for another homeowners' insurance company that will provide this valuable coverage. If you have been injured by an animal on someone's property please contact or call the experienced attorneys at The Umansky Law Firm at 407-599-3838 for a free initial consultation.
If you or someone you love has been injured in an Orlando car accident, involved in a semi truck accident, injured do to someone elses negligence, injured while on vacation in Florida, or a famiy member was a victim of wrongful death, please contact our Orlando personal injury lawyers at the The Umansky Law Firm today for a free consultation. We have won impressive verdicts & settlements for clients injured in all types of accidents. We'd like to help you, too. Visit our Web site, http://www.orlandofloridaaccidentlawyer.com, for more information.
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