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Does homeowners insurance cover dog bites?

The attorneys at Harting, Simkins & Ryan, L.L.P., are well-versed in the many types of losses and financial hardships that can result from dog attack incidents. Unfortunately, we are also all too familiar with the fact that achieving adequate financial compensation for your injuries and other damages can be increasingly difficult in some cases. Pursuing dog bite claims against homeowners’ insurance carriers can be a long and involved process, as California insurance trends and practices continue to evolve.

Discussing dog bite liability, the Insurance Information Institute explains that almost $500 million was spent on dog bite-related homeowners’ insurance liability claim payouts in 2013. Such incidents were linked to over 30 percent of all homeowners’ insurance awards, and the number of claims filed across the country that year increased by more than 5 percent. Almost 2,000 claims were filed in California alone, making it the number one state for dog bite insurance claims.

Homeowners’ insurance providers everywhere are accounting for the considerable increase in dog bite claims by attempting to limit liability in several ways. In many cases, insurance companies establish liability caps for dog bite expenses, making dog owners liable for any damages that exceed the agreed to amount. Some insurance carriers also require homeowners to agree to the terms of dog-bite liability waivers before they are eligible for coverage. Other companies only cover pets that are restrained and/or trained to their requirements, while some won’t provide dog-bite liability coverage under any circumstances. All of these factors can play a role in whether and how you can achieve injury damages for a dog attack incident.

Effectively pursuing damages for dog bite injuries can depend upon several other factors as well. Visit our web page today to learn more about dog bite liability and other related topics.

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