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Homeowners Insurance: Someone Gets Hurt On Your Property

Written by Linda Rey on October 21, 2011 in Insurance  |   19 comments

One of the reasons you have homeowners insurance is to avoid paying out of pocket for extensive property damage. Another reason you’re paying for homeowners insurance is to have an attorney on retainer to defend you should you be sued if someone gets hurt on…

One of the reasons you have homeowners insurance is to avoid paying out of pocket for extensive property damage. Another reason you’re paying for homeowners insurance is to have an attorney on retainer to defend you should you be sued if someone gets hurt on your property.

I would like to share a story about how a client dealt with fraud related to a customer claiming she was injured at the client’s shop. This is one of my business clients, but my homeowners insurance clients could learn a lesson from how she handled the situation.

A tale of a fraudulent claim

My client owns a beautiful gift shop. She had a customer who came into her store and was looking around briefly, then left. Moments later, this customer came back into the store and told my client she had tripped on a loose garden hose on the steps outside the store.

My client, a very smart, savvy person, first inquired what injuries were sustained and if immediate medical attention was warranted. She because suspicious with the answers she was getting and decided to do a little investigating.

Luckily there was a painter working outside of the store who said the only thing he witnessed was the woman exclaiming, “I’ve just fallen!” The painter said he then saw her go to the nail salon across the street after leaving the store. My client asked the painter to provide a statement.

My client then asked about the woman’s behavior at the nail salon. The employees there said the woman did not look injured and their cameras could show her behavior after the alleged fall.

This potentially costly insurance claim had a happy ending for my client; she presented her research to the woman who was claiming injury, and that woman was never heard from again. My belief is that my client did enough research to prove to the other woman that any claim would be scrutinized.

What to do if someone is injured on your property

When someone is injured on your property, whether it is due to a rug, loose steps, cracks on the sidewalk, or nasty weather conditions, you are obligated to address the injury and possible insurance claim right away.

If someone is injured at your home or business, it can be a delicate situation. I think my client handled her situation very well. First, you need to assess the extent of the injuries and determine if emergency care should be dispatched. If not, and depending on your relationship with the injured person, you should consider contacting the police so both parties can make statements.

If possible, photos should be taken of the injuries. You should also take pictures of the area where the injury occurred to show the condition of the property.

If the injured party is merely looking for reimbursement of medical costs, it could be a far better scenario than if the injured party decides to sue you or claim damages beyond what your insurance policy covers.

As always, call your insurance agent to discuss the situation and get guidance on how to handle it. An agent can help you much better if he or she knows about any injuries or potential claims right when they happen.

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Linda Rey is a licensed insurance agent at Rey Insurance with a broad spectrum of expertise in life, accident, health, property, and casualty insurance, as well as retirement planning and college funding strategies. Follow her on Twitter: @ReyInsurance


The information contained in this blog post is designed to generally educate and inform visitors to the Equifax Finance Blog. The blog posts do not give, and should not be assumed to provide, personalized tax, investment, real estate, legal, retirement, credit, personal financial, or other professional advice. Before making any financial decision, you should always consult with the appropriate professionals who can explain your options, rights, and legal responsibilities, and advise you on any tax, legal, credit, or business implications that may result from those decisions. The views and opinions expressed by the authors of blog posts are their own views and may not be the views or opinions of Equifax, Inc. and/or its affiliates.


  1. Pingback: Homeowners Insurance | Injuries | Equifax Finance Blog | Atlanta Real Estate Forum

  2. Pingback: Dealing With Injuries | Homeowners Insurance | Carolina Real Estate Forum

  3. Pingback: Understanding Injuries and Homeowners Insurance | Jacksonville Real Estate Forum

  4. Pingback: Homeowners Insurance and Injuries on Your Property | Chicagoland Real Estate Forum

  5. Anonymous says:

    my husdand was hurt at a friends house while working thers he is mot helping us will any medical bills

  6. Anonymous says:

    i got hurt at home and i had surgery. i don’t have enough money to pay. where can i go to get help?

  7. JParrott-Florida says:

    I was aked to move to Florida with my boyfriend. I had been unemployed due to lack of work at the end of my contract. One week prior to the end of my contract, I became gravely ill from E.COli in my blood stream.

    He asked me to move to Florida. Now, he comes to me today and wants me to move out. I passed out three times in a short period while taking a shower. I went to the ER days later and was diagnosed with acute pyelonephritis. I had also severely sprain my right wrist and strained my back. He’s mad that I did not have Obama care. Now I have this atrocious hospital bill/ What the hell am I to do? Someone please help. Thanks JParrott- Florida.

  8. anonymous-tennessee says:

    I was house sitting for a doctor in our practice and the bed I slept in was on a platform. when I got up one morning to feed the dogs, I had to step over one of them at my feet and I missed the step down. broke my foot in 3 places. when I told the owner, thinking she would contact her homeowners insurance or at least offer to help with some of the medical bills, she just told me to take care of myself and gave me a get well gift and asked if I would house sit again in jan. I am not a person who sues and I couldn’t anyway and continue to work here but, I would have thought she would step up and offer more than a book to read while recovering.

  9. Worried says:

    I was Injured at someones home and by one of their other guests. Severe Injury. I will be permanently damaged for life and will not be able to use my leg in full capacity again. The people who own the home are famous and will not help with continuing medical, what do I do?

  10. testerr says:

    Worried: it’s a little too late now. You should have called the police to document your injuries. Now your case will never be seen in court.

  11. Jake says:

    I had a DJ gig at persons house and long story short i got hit in the eye from the side of me and now I’m legally blind who would i sue the home owners insurance or the person that hit me?

  12. Anonymous says:

    Call a lawyer, insurance companies don’t care

  13. Anonymous says:

    When children play in your yard without permission and get hurt, am I responsible for any injury. These children are neighbors and was not invited to our home. Need an answer.

  14. tammy says:

    someone fell going down a hill on my property and ended up with a broken leg. I’m being sued..does this affect your credit?

  15. Catherine says:

    I was assaulted by my ex husband and fractured my arm badly which resulted in surgery and a ten inch plate and twelve screws in my arm. This happened on his mother’s property where he also lives. Is this something that I can pursue through the homeowners insurance policy.

  16. Toni B. says:

    please help
    Im a independent contractor model I was 1st injured at a convention in vegas fracturing my patella.
    needing to stay off for 2 months i did .(not working) my 1st day back to work i was filming at a studio ran out of a apt. where i slipped in water and my kneecap shattered and fell to floor. ambulance came . hospital took me in for emergency surgery. now out of work for 4 months and dr said 4 more before i can even start therapy i need some help
    i do no t qualify for workmans comp or disability. and no one wants to take claim against convention center.
    do i try to ask where i was filming if he has insurance to file a claim.
    Ple4ase help me

  17. Anonymous says:

    I was a visitor for a week and when I was moving out I fall because a broken wooden stairs I went to the hospital can I sue the home owner

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