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Generally you don't. Homeowners insurance is property hazard insurance that is specific to the "named insured" homeowner(s) from certain losses incidental to home ownership.
If the homeowner agrees that he or she is liable for your loss, the homeowner can just file a loss notice with his or her insurer. The insurer would then contact you (generally within 72 business hours) to process your claim.
Contrary to popular belief, A property owner is not automatically liable for anything that happens on ones property. The injured party will need to prove that the homeowner actually caused the accident (simply being the owner does not make them liable) through direct action or through in-action (negligence).
If the homeowner disagrees that they are liable for your loss, then that is a matter you may choose to take up with an attorney in a competent court.
If the homeowner purchased liability insurance with his or her policy ( many do not ) , that portion of his policy would provide coverage for the cost of the insureds legal defense team as well as any resulting judgments of legal liability.
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Can you file a claim against two homeowners insurance companies at the same time?
no
What is homeowners liability insurance for?
The liability portion of your home insurance policy provides protection in the event someone asserts a claim of liability against the homeowner for damages or injuries.
Can a claim against your homeowners be cancelled after it has been reported?
Generally, a claim can be cancelled. If you do not want the insurance to pay a claim, the company will be glad not to pay it.
If someone fell downstairs and was injured can they file a claim against their insurance?
Not against your own insurance.
If someone breaks their foot on my property can I file a homeowners insurance claim for their medical bills?
Yes you May all you have to do is get intouch with your insurance agent or Company.
Is there a way to obtain someone's homeowners insurance after a fall if they are not willing to provide it?
You cannot go behind someone's back and file a claim on their insurance. If it is a major injury you can file suit and they will have to provide it to their insurance company so that the insurance company will defend them or settle the claim. This is to force the issue.
What are the Odds of making a claim on homeowners insurance?
1.5%
Do you claim slashed car tires on homeowners or auto insurance?
Slashed tires coverageYou will need to file the claim under your Auto Insurance policy. Your homeowners insurance does not pay for car damage. That's what auto insurance is for.
How do you find out if someone has homeowners insurance?
You have to ask them. You can not find it out any other way legally as insurance information is protected under privacy laws. If you have a claim to bring suit against a person then a court could order disclosure of a policy if one exists.
Can you file a claim against a person with no insurance?
You can file a claim against your insurance company for an action caused by another person with no insurance if you are covered for such an occurance. An example would be if you had uninsured motorist coverage and were hit by someone without auto insurance. However if you want to file a 'claim' against the person directly who has no insurance there is no one to file the claim against. The only alternative here is to sue the person in court.
What is fire insurance claim?
It is either a claim for a fire or it is any type of homeowners claims since homeowners policies used to be called fire policies.
If you have a slip and fall on your own driveway requiring surgery are you able to file a claim against your homeowners insurance provider?
No. To help with the question...will you sue yourself?
