1575 Pearl Rd Brunswick | 330.225.5605

Most homeowners take pride in the safety and security of anyone in their home. However, you can never plan for every scenario that could unfold during an open house, child’s playdate or family gathering. Let’s look at some ways that homeowners can limit their liability in the event of an accident.

Buy Insurance

Having homeowners insurance can drastically reduce any financial losses incurred after a flood or fire. The policy may pay thousands of dollars or more in damages such as medical bills or to help an injured victim recoup lost wages after getting hurt. Those who have mortgages are required to obtain such coverage.

Homeowners insurance is essential in the event a disaster happens. Although premiums and deductibles can vary, it is vital to have this protection from liability.

If you don’t have homeowners insurance, get it. If you need more protection, contact an attorney. They can help get the most out of your insurance policy. According to Walkup, Melodia, Kelly & Schoenberger, it’s about maximizing insurance policy recoveries “while also advising them on dealing with issues surrounding the process of rebuilding or relocating, depending upon their needs.”

Get Rid of Exposed Nails or Other Debris

If you have just torn up the carpet or taken a door off its hinges, make sure to get rid of any loose nails or screws that may be present. You should also make sure that carpets are laid out flat to make sure that no one gets hurt while walking or running through the property.

Remove Steel Bars or Low Beams

It isn’t uncommon for older basements to have bars or beams running across the ceiling. As homes were constructed differently in decades past, those beams may be uncomfortably low for even an average adult to walk under safely.

Alert Guests to Potential Dangers

Removing beams or other debris limits liability because it shows a good faith effort to address potentially dangerous conditions on the property. However, if you can’t eliminate the hazard, you could limit your liability by alerting guests to their presence. This alert may be done by creating a simple sign pointing out the danger that exists in a given room or space within the home.

Remove Any Harmful Substances From the Home

Adding a moisture barrier in the basement or attic could make it harder for mold to spread throughout the home. It could also make it harder for termites or other pests that are attracted to water to getting close to your property. Getting rid of old or dead wood either near your home or inside of it could also decrease the odds of pests getting into your house.

Many types of accidents can occur in a home without warning. However, by purchasing insurance and taking steps to make your home as safe as possible, you can reduce the odds of one occurring. You can also overcome the odds of being held liable for resulting damages.