Halloween is just a few days away and there are good odds there will still be plenty of children and adults dressing up in costume to celebrate. However, Halloween is also notorious for the havoc it can cause. The use of rotten eggs or “egging”, for example, is a common tradition that may cause damage to a home. That is just one of the several liabilities homeowners should be aware of.
Halloween, however, is also infamous for the mayhem that it can bring. For instance, the use of rotten eggs or ‘egging’ is a longtime tradition that can cause harm to a household. That is only one of the many liabilities that should be known to homeowners.
Many homeowners’ insurance plans offer compensation should the house—whether it’s egging or otherwise—sustain damage due to vandalism. However, since these acts of vandalism are typically not that expensive, the deductible on your insurance might not be adequate to offset the harm. If the loss costs $450 in repairs, a policy of a $500 deductible won’t take care of damages, which means the homeowner will have to pay out of their pocket for the loss.
On that point, engaging in the celebrations of Halloween means that more crowds, most likely trick-or-treaters, are going to be visiting your property. As for any guest or visitor, if a person experiences an accident whilst on the premises as a result of negligence like a child slipping and falling, for instance, the homeowner can be held accountable. It is important to ensure that the home is well illuminated and that the paths are free of barriers or obstructions.
This information is provided by Miami insurance attorney Alonso & Perez, LLP. Our areas of practice include bankruptcy, insurance litigation, foreclosure defense, immigration law, and more. Call 305-676-7545 to speak with one of our attorneys or a Miami insurance claims lawyer and receive a free consultation We look forward to working with you.
This information is provided for educational or informational purposes only and should not be construed as legal advice. The information is not provided in the course of an attorney-client relationship and is not intended to substitute for legal advice.