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Homeowner Liability: What Should You Know?

We want our home to be the safest and most secure place for our family. Maslow’s Hierarchy of Needs would suggest that security and safety are basic human needs. For your family to develop and grow, safety should always be the priority.

If you’re going to protect your family and ensure that your property is safe from everyone, you may be asking what some of the ways in keeping your home and many of your belongings safe are. While most homeowners are confident that their homes are secure and safe, there are still hazards and individuals that can be detrimental to the security of you and your inhabitants.

At the same time, you’re also wondering about your current budget and spending when it comes to your home’s security. In some cases, these types of incidents can have an impact on your financial well-being. ; Most of the time, insurance and coverage will provide an economic “buffer zone” for most homeowners against the risk of fire hazards, burglaries, and damage from intense storms. But does this provide enough coverage when it comes to the dangers?

We’ll be discussing how you can mitigate safety hazards at home so that inhabitants will be safer. At the same time, we’ll also discuss homeowner liability and its legal implications. Here’s what you’ll need to know.

What’s Homeowner Liability?

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First and foremost, we’ll need to discuss homeowner liability and what makes it essential. As most of us know, all property owners are responsible for what happens to their property and on it. If an individual gets injured by tools or equipment within the property, then the homeowner is held liable for any accident and injuries that might have happened on their property.

Normally, premises liability laws will be determined by a variety of factors. In most cases, the premises liability case elements will ultimately be determined from one state to another. That said, most individuals should check first with the laws in their local jurisdiction. In general, the injured individual will need to prove that the person who has caused the injury is the proprietor or has leased the property.

Besides, premise liability laws will also require many of these property owners to address these hazards. By addressing risks and structural problems, will mitigate the likelihood of injuries from happening. It’s important to remember that homeowners are always responsible for the safety of visitors.

It’s also important to note that premise liability cases and injuries within the homeowner’s property can cascade into various legal issues. Some of the potential legal issues that can be filed are:

  1. Zoning Violations – If there is a legal case, investigations will usually occur on the property’s history. If there is improper usage of land or the building is used for other things than being a residential living space, then zoning code violations might be filed. Again, this will vary depending on the state and the city.
  2. Conflicts of interest – Usually, this happens when not all residents within the same property are subject to the same restrictions or rules.
  3. Rental disputes – In some cases, rental disputes can happen if the resident has failed to pay their monthly dues for renting the property. This can further complicate the legal process.

It’s important to note that legal action should be the last resort for compromising and reaching a sensible conclusion with the other party. As with most property and family matters, it’s important to seek professional legal advice rather than just going at it. Fortunately, some attorneys and lawyers are well-versed when it comes to a myriad of legal cases. Law firms, such as Lewis & Matthews, p.c., are known for handling these cases with professional finesse and skill.

Safety Hazards

clean living room

To ensure that no one gets injured while they’re within your property, it’s best to consider different types of hazards that are often present in residential homes. Here’s what you’ll need to know.

  1. Fire hazards – This is known for being quite prevalent among homes made out of wood and other flammable materials. Strategically placing an automated sprinkler system and fire extinguishers in kitchens and close to electronic panels can mitigate any likelihood of fires from spreading.
  2. Slips and falls – This is known for being one of the more common hazards and accidents. While it might not be severe,’ certain types of slips and falls could lead to a delayed concussion. Most would suggest placing railings close to balconies and stairs. Some experts would also recommend using slate and stone tiles close to swimming pools since this can give a bit of traction for those running close to pool areas.
  3. Chemical hazards – In most cases, poisoning and chemical burns can happen when chemicals are not handled properly. This is especially true when it comes to cleaning homes or cooking.

There are a variety of hazards that homeowners will need to consider. Even before any accident does happen, it’s important to address these issues as soon as possible. After all, prevention is the best way of practicing safety and security.

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