As we know the weather is frightful right now so what if someone comes to your home (a friend, mail man, delivery driver, etc.) and slips on ice on your sidewalk or driveway??
You are responsible to maintain a safe premise, so if a slip and fall occurs you are liable. You do have liability coverage that’s built into your homeowners’ insurance so don’t fret. Typically, homeowners carry coverage amounts ranging from $100,000 to $300,000 so you will have coverage and your deductible doesn’t apply. You need to make sure you call your Insurance Agent, document what occurred, get the persons information, and take pictures.
Does this mean you don’t need to maintain those walkways and driveways? No, your coverage amount can be eaten up very quickly by any injury leaving you responsible to pay for the remainder out of pocket. If you can’t clean up the area then try to avoid company. Now here’s to the sunny days ahead of us!
