Can I Make a Homeowners Insurance Claim?

Last updated on: May 28, 2013

Can I Make a Homeowners Insurance Claim?

Unlike car insurance, homeowner’s insurance is not required by law in the state of Texas. At first glance, individuals often believe that homeowner’s insurance only applies for incidents that occur at an individual’s home. For instance, if there was a hazard on someone else’s property and you were injured as a result, you may be able to file a claim with the homeowner’s insurance policy.

While you can make a homeowner’s insurance claim for injuries that occur at the owner’s residence, homeowner’s insurance actually follows the individual that is insured. Therefore, if a homeowner does something negligent, whether or not they are on their own property at the time of the incident, their homeowner’s insurance coverage will likely kick in. For example, if a homeowner has a dog on the loose that injures an individual, the homeowner’s insurance coverage of the dog’s owner may apply even if the dog was not on the homeowner’s property at the time of the incident.

Because homeowner’s insurance is not required, finding out whether a homeowner has valid insurance coverage has become increasingly difficult, if not impossible, to determine. In situations like these, our personal injury attorneys at Zinda Law Group have several tools in order to determine if any homeowner’s insurance policy may exist, and if so, what strategies to employ to make individuals whole for the injuries they have sustained.

At Zinda Law Group, we realize that injured individuals haven’t been saving up money to hire an attorney in a situation in which they have become injured. Therefore, we offer free consultations and don’t earn any attorney’s fees unless we’re able to make a successful recovery on your behalf. If you have any questions about homeowner’s insurance coverage, how to make a claim, or whether or not you have a potential personal injury case, please call our experienced attorneys for further guidance.