Connecting moms in Polk County, Fla.

need advice for my friends husband. got hurt doing side job now do they seek help with his homeowners insurence?

he was sole supporter of our family income and now he has broke his pelvic bone so in wheelchair for 6 to 8 wks. how do i go about making a claim? she welcomes any advice. thanks

▶ Reply to This

Replies to This Discussion

Permalink Reply by Jennifer Sabin on April 21, 2011 at 7:28pm

Have they called the insurance company yet? Is the homeowner willing to help?

When I was a kid our neighbor was hurt while helping my dad convert the garage into living space. He filed a claim on our homeowner's insurance and they pretty much took care of his medical bills. Not sure about the rest of it though.

▶ Reply

Permalink Reply by ValsMom on April 21, 2011 at 7:45pm

This is confusing. Was "he" doing a side job at someone else's home and got hurt? Was he paid for the job?

▶ Reply

Permalink Reply by Kristina Bardell on April 22, 2011 at 12:34pm

I work in the insurance industry.

First off. If he was doing a side job at someone elses house then that persons insurance company would pay - heres the kicker - only if that insurance policy has medical payments as part of the coverage. Most companies give NO MORE than 5k.

HOWEVER - If he was doing a side job at his house his homeowners insurance WILL NOT PAY. This is because - Medical Payments pay out if "someone other than the homeowner and current residents of the insured home" are the ones that are hurt on the insured property.

If a claim is filed under the insurance and it is denied then there is still a cliam on that persons record. Be wary of filing any claims unless you are certain it is to your advantage.