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The Role of Homeowners’ Insurance in Florida Dog Bite Claims


In Florida, where dog bites are unfortunately a common occurrence, it is important to understand the role of homeowners’ insurance in covering such incidents. Consulting with a Stuart dog bite attorney can further explain how homeowners’ insurance can be a key factor in compensating victims of dog bites, providing much-needed financial support for recovery.

Basics of Homeowners’ Insurance and Dog Bites

Most homeowners’ insurance policies in Florida include liability coverage, which often extends to incidents involving dog bites. This means if a dog bites someone on the owner’s property, or in some cases, off the property, the owner’s insurance may cover the damages. Some policies may have breed restrictions or might not cover dog bites at all, depending on the insurance provider.

Understanding Liability in Dog Bite Cases

Florida operates under a strict liability rule for dog bites. This means the dog owner is liable for any injuries their dog causes, regardless of the animal’s previous behavior. This liability extends to covering medical expenses, lost wages, pain and suffering, and other related damages through their homeowners’ insurance.

Florida statute states that if a dog bites someone, whether they’re in a public area or lawfully on private property (including the dog owner’s property), the dog’s owner is responsible for any injuries caused by the bite. This holds true even if the dog has never shown aggression before or if the owner wasn’t aware of the dog’s potential for viciousness.

However, if the person bitten was partly at fault for the incident, this can reduce how much the dog owner is liable. For instance, if the bitten person’s actions contributed to the event, their responsibility will be considered in determining the final liability of the dog owner.

It’s also important to note that being ‘lawfully’ on private property includes situations where someone is carrying out a legal duty or if they’re there because the owner invited them, whether directly or indirectly.

But there are exceptions. For instance, the owner might not be liable if they had a clear “Bad Dog” sign displayed on their property, except if the person bitten is under six years old or the injury was directly caused by the owner’s negligence. Additionally, the compensation through this law is in addition to any other legal remedies available to the injured person.

Limits and Exclusions in Insurance Coverage

While homeowners’ insurance can cover dog bite claims, there are often limits and exclusions. Policy limits dictate the maximum amount the insurance will pay, and any damages beyond this limit might be the responsibility of the dog owner. Additionally, some policies exclude certain breeds deemed high-risk or have specific clauses regarding animal behavior.

The Importance of Legal Assistance

Navigating the intricacies of homeowners’ insurance in dog bite claims can be complex. This is where legal expertise comes in. An experienced attorney like Lance P. Richard, P.A., can help victims understand their rights and the extent of coverage under the dog owner’s policy and assist in ensuring fair compensation. For dog owners, legal guidance is equally important to understand their liabilities and the protections offered by their insurance.

Contact Lance P. Richard, P.A.

Homeowners’ insurance plays a vital role in Florida dog bite claims, providing a pathway to compensation for victims. Understanding the interplay between insurance policies and legal liability is key, making the guidance of a skilled attorney invaluable in these cases. If you or a loved one has been a victim of a dog bite, It is important to consult with an experienced personal injury lawyer to help understand the dog owner’s policy details, as coverage can vary. Contact Lance P. Richard, P.A., for a consultation.



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