The coronavirus has thrown some wrenches into the school year. Maybe your child is in a remote district, or his school is offering a hybrid model. If you were planning on offering up your home as a “hub” for remote learning for your children and their friends (and maybe making a few bucks on the side), you may find yourself in some trouble for running an unlicensed daycare. You need to look into local ordinances, laws, and permit requirements in order to ensure that you provide a safe experience for the children.
Even if you don’t plan on charging anything, you still need to review your homeowners’ policy to make sure you’re protected in case one of the children gets hurt.
Dogs are man’s best friend, but they still bite
Your dog might have never shown any signs of aggression towards you, your spouse, your children, your other pets, or the neighborhood dogs, but it doesn’t mean that he or she won’t ever bite. For this reason alone, you need to review the coverage on your homeowner’s insurance.
The cost of the average dog bite claim is on the rise, according to the Insurance Information Institute (III). From 2018 to 2019, the average claim increased by $5,743 to $44,760. Depending on the value of the property, the typical liability coverage in such a policy ranges between $100,000 to $300,000. If you rent your residence, the liability coverage drops to between $30,000 and $40,000.
Should your dog wind up biting one of the children who come to your home to learn and the claim costs more than the liability coverage of your policy, you will need to foot the remainder of the claim out-of-pocket.
Unsafe steps and rails can lead to a claim against you
Kids will be kids, even if they’re supposed to be in school. That is why you should review your homeowners’ policy to make sure you’re covered if a child gets hurt. If one of the neighborhood kids takes a tumble down the steps, falls into an open pool, or otherwise suffers an injury under your watch, you could find yourself embroiled in a premises liability lawsuit.
Warhurst Law understands that these are difficult times. We also know that the best intentions don’t always lead to the best outcomes. Don’t let your altruism end up coming back to bite you. Contact our office to schedule a consultation today to review your insurance policy. Call us at 251-207-1296 or complete a contact form online. We represent clients in Florida, Alabama, and Louisiana.
At Warhurst Law, we understand the immediacy of your situation. We also understand that insurance companies aren’t looking out for your best interests; they’re looking out for their bottom lines. Whether you’ve lost a building in Hurricane Michael or saw your home destroyed by a tornado or wildfire, or suffered life-altering injuries in a car wreck, Warhurst Law wants to help you get the compensation you need, so you can get back to your life.