Legal Question in Insurance Law in Mississippi

Re: Homeowner's Insurance

A homeowner's insurance policy covers liability for fault. If you fell on the roof "on some loose stuff," you are going to have to prove negligence on the part of the homeowner for having that "loose stuff" on the roof.

Re: Homeowner's Insurance

The homeowner's insurance would defend the homeowner, if sued by you, and would pay the claim if it is found, for instance, that the homeowner maintained a dangerous condition on his property. The homeowner's coverage will not pay just b/c you were hurt. Instead, you have to establish the homeowner's liability. Other places to look: contractor's coverage, if any; workers comp, if any. Contact me if I can help.

Re: Homeowner's Insurance

maybe. in my opinion, it would depend highly on, among other things, whether or not you were being paid or otherwise compensated for your work. this factor would be primary in determining whether or not you were on the property as an invitee or licensee (legal classifications for persons injured on property). if you were classified under the law as an invitee, if you could show that the landowners' negligence caused your injuries, i believe that the homeowner's policy would come into play. otherwise, a recovery would be unlikely. however, most homeowner's policies include medical payments coverage ($500 - $5,000.00). the medical payments coverage is a no-fault coverage which pays if you're hurt on the property, regardless of fault. in that you were hurt on the property and have extensive medical bills, you should be easily able to recover whatever medical payments coverage may exist.