Q: My dog bit a house painting crew member that we hired.
Hello, so we hired a painting company to paint the inside of our house. My wife advised them that she would be working from home in the bedroom and our chihuahua shitzu mix dog would be in there with her. Later in the day when taking the dog outside, my wife got distracted and the dog ran upstairs and bit one of the workers. My wife apologized and offered her medical supplies for treatment. The worker is a young 20 something year old girl who decided she wanted to go to the doctor for treatment. We agreed to cover the cost of the doctor visit and any medications. We have paid the medications via Chase Zelle and are waiting on the receipt for the doctor visit. In the meantime we were made aware that she will be consulting with a lawyer. My question is, if she does file a lawsuit, does that get paid form our homeowners insurance. If so, we are currently trying to sell our house, would that affect the sale of the house? If we sell and no longer deal with that insurance, who is responsibl
A: Yes, be sure to notify your insurance carrier of the situation. If you sell, the insurance carrier would still be responsible for this potential claim.
A: So a homeowners insurance policy should be reviewed to determine if that policy provides coverage for a dogbite. Some homeowners policies exclude dog bites, so you should start to find out right now if you are covered. As far as selling the house no it will not affect the insurance coverage on this incident, assuming that it is covered, because the accident or incident occurred during the coverage Time period of the policy. In the event that she does take legal action, and the incident is covered by the carrier, simply turn over the legal papers to the insurance company. In the event that your insurance company does not cover this incident, then you are going to be required to defend any imminent legal action at your own expense.
Charles M. Baron agrees with this answer
1 user found this answer helpful
Justia Ask a Lawyer is a forum for consumers to get answers to basic legal questions. Any information sent through Justia Ask a Lawyer is not secure and is done so on a non-confidential basis only.
The use of this website to ask questions or receive answers does not create an attorney–client relationship between you and Justia, or between you and any attorney who receives your information or responds to your questions, nor is it intended to create such a relationship. Additionally, no responses on this forum constitute legal advice, which must be tailored to the specific circumstances of each case. You should not act upon information provided in Justia Ask a Lawyer without seeking professional counsel from an attorney admitted or authorized to practice in your jurisdiction. Justia assumes no responsibility to any person who relies on information contained on or received through this site and disclaims all liability in respect to such information.
Justia cannot guarantee that the information on this website (including any legal information provided by an attorney through this service) is accurate, complete, or up-to-date. While we intend to make every attempt to keep the information on this site current, the owners of and contributors to this site make no claims, promises or guarantees about the accuracy, completeness or adequacy of the information contained in or linked to from this site.