Does My Condo Insurance Cover Slip and Fall Liability?

Condo owners who live in Oviedo, FL often have questions about their liability coverage, especially when it comes to slip and fall accidents. The Wurzel Agency offers condo insurance that includes various types of liability coverage. Each agent is well-versed in each type of insurance coverage they offer and can answer your questions about where your liability begins and where it ends in relation to the rest of the property.

Know Your Boundaries

A condo is owned by the resident but is often attached to a larger property. This means that there are boundaries on the exterior of the property that separates your property from that of the complex. It’s essential that you know where these boundaries are in case a slip and fall accident occurs. If the accident occurs within the boundary, then you will be responsible for the injured party’s medical bills. If the accident occurred outside of that boundary, then the obligation of care falls on the owner of the property.

General Liability

Condo insurance includes general liability that will cover a variety of accidents that may occur inside your home. This includes slip and fall accidents as well as many other types of injuries. Your agent can go over what general liability means and what it covers in terms of your condo policy.

At The Wurzel Agency, each agent is dedicated to providing the residents of Oviedo, FL the best possible service when it comes to meeting all of their insurance needs. Schedule an appointment with one of the agents today so that you can find out what type of liability coverage you have for your condo. Don’t take chances! Know what your policy includes!

5 Tips to Help Prevent Tree Trouble

Trees are pretty amazing. They produce oxygen. They serve as natural air conditioners, both by blocking sunlight and through evaporation. And they even absorb sounds, helping to keep things peaceful.

These benefits, along with countless others, are great reasons to keep the trees on property in good shape. Looking for another? Unhealthy trees can actually pose great danger to your home and property, as well as to your family and other people.

With these tips from the National Arbor Day Foundation, you can help prevent tree trouble – and potentially save yourself from a home insurance claim:

  1. Inspect trees frequently. The size, color and condition of leaves, and overall leaf cover, are good indicators of a tree’s health. Cavities or disfiguration can be a warning sign, although they don’t always mean a tree is a hazard. Just keep a close eye on it. Dead branches are a big risk, because they can fall easily. Those that cross or rub can create weak spots. 
  2. Plant in an appropriate space. Putting in a tree that will grow to be large? Don’t put it near power or sewer lines, or close to your home. Avoid planting brittle trees – their limbs are weak and more likely to break and fall. Examples include Silver Maples and Willows.
  3. Prune correctly. Cut outside the branch collar, and prune regularly as trees age. Don’t allow a tree to be topped.
  4. Leave it to an expert. Once a year, have a qualified arborist thoroughly evaluate the trees on your property. An arborist can identify ones that need to come down immediately, as well as those to watch. In particular, trees that have been topped, or that have lost large limbs unexpectedly, could cause trouble. Taking down trees can be very dangerous, so leave it to a professional.
  5. Remember, you’re responsible. Property owners are generally responsible when their hazardous trees cause damage or injury to others. So keep your trees healthy, your space beautiful and your liability low!

When a tree does fall, you may or may not have coverage through your homeowner’s policy for any damage it may cause. If you’d like to discuss your coverage, please give us a call today. It may be a good time to think about adding extra liability coverage to your insurance portfolio with an umbrella policy.