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Colorado Insurance Blog

How Do I Make A Personal Injury Claim On My Homeowner’s Insurance?

The 80212 area in Denver, Colorado is a premier place to live. It has been voted as such by various publications for years and some of this has to do with the recreational opportunities, the high income levels, and the low obesity levels. There are countless things to see and do and restaurants and shops are abundant throughout the area.

When you own a home, you need to be sure that your homeowners insurance accounts for everything that could happen. While you know about damage and theft, do you know about a personal injury claim?

If someone injures themselves on your property, they can turn around and hold you liable. You’re the homeowner and you failed to keep your property safe. Such instances could include:

– Guests

– Contractors

– Complete strangers

Even a newspaper delivery boy can file a personal injury claim against you if he slipped on the ice of your walkway leading up to your door.

When you want to make a claim, you need to contact your homeowner’s insurance company. They will walk you through the documents you need to submit. You will also have to give a full account as to what happened.

Not all claims will be accepted. Some will be denied and this is based upon what is included in your policy. To avoid having claims denied when someone has injured themselves at your home, you want to get a homeowner’s insurance policy in Denver that protects your home to the highest level.

Our agents can help you with this task in Colorado. We are familiar with the various options within a homeowner’s policy and can go over the ones you want to add. We believe in the importance of obtaining multiple quotes for comparison, so adding a bunch of additional options is not a guarantee that your policy in Denver will be more expensive.



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