With more and more Americans forced to spend an inordinate amount of time in their homes than would usually be the case, the chances of needing to file insurance claims may also increase. Wear and tear, especially when incurred over an intensified time frame, could lead to property damages, not to mention an increased risk of bodily harm as more individuals use home delivery options. Imagine if someone delivering food or supplies to your door, slips on your
porch during inclement weather and breaks a limb or injures themselves in any way. Your liability coverage may never have been so important.
But what if, under the current circumstances, someone claims that they caught the potentially deadly virus while in your house?
Could you be held liable for someone else getting infected?
While this may seem ludicrous, it’s worth giving some thought to the issue, and seeking professional advice as to where you stand from a legal perspective should someone claim that they caught Covid-19 while in your property.
However, this question may not need to be answered by the providers of home and renters’ insurance, since many policies already contain virus and pathogen exclusions, which could apply to such types of coverage as liability, loss of use and physical damage.
When all is said and done though, these are unique times and unique circumstances that none during our lifetime have previously faced, so it pays to be cautious and avoid complacency. Experts advise homeowners and renters to use this time to review their insurance needs and check that they have the right levels of coverage for their individual needs.
Use the time to evaluate your coverage:
Check back through your policy - whether you’re a homeowner or someone who is currently renting a property - and if you are unsure as to whether you have the correct coverage for your circumstances: reach out to your service provider. While most, if not all businesses including insurance companies, are working from their homes instead of their offices, you can still call them or chat online to discuss your policy.
Having an honest discussion with your insurance provider could help you be certain that you have enough coverage in the event of something untoward happening during the current health crisis, and to be honest, it’s never a bad idea to review your coverage anyway, so take this opportunity to do so for some extra peace of mind.