Avoid Liability for Slip and Falls on Your Property or Sidewalk

 In Blog, Home Insurance

Don’t you just love spending the early mornings, evenings, and weekends shoveling snow and ice from your driveway, walkway, and sidewalk? No? Yeah, we know. We are just trying to stay positive about one of the most hated winter activities. Because, despite how much you hate it, it’s important that you do it, if for no other reason than to protect yourself from liability in the event of a slip and fall accident on your property.

Get homeowners insurance from an independent Colorado insurance broker

It is every Colorado home and business owner’s responsibility to clear the sidewalk from snow and ice within 24 hours.

Colorado homeowners are responsible for shoveling the sidewalk

Snow came early this year to Colorado. When the first frost and snowfall came, you were most likely exemplary in shoveling the snow around your home, making it possible to walk freely from the front door to the front gate, to the back door, to the driveway. But as the snow kept coming, you started to do less and less. By now, you probably just have a slim path from your front (or back) door, to you car. This is a common mistake of homeowners and one that should be corrected.

Not shoveling the snow on your property could be dangerous and costly

By law, your must clear the sidewalk in front of your property. You may think that the sidewalk belongs to the city, but in many places, including Colorado, shoveling the snow from the sidewalk is the responsibility of the homeowner. If you fail to do so, and someone slips and falls in front of your home, the liability could fall on you, not the city.

Tips to avoiding liability claims for accidents on your property by AAI in Colorado

Talk to an AAI insurance agent and get the best insurance for your home and your business in case of accidents on your property.

Talk to you independent insurance broker about homeowners insurance to cover slip and fall liability

For most cities in Colorado, homeowners have 24 hours to remove snow and ice from sidewalks in front of their property. If you fail to do so, you could be looking at a monetary fine, but the worst case scenario is being liable for an accident. Slip and falls can incur a lot of bills: medical bills, physical therapy bills, loss of income, etc. If you ignore your sidewalk, you could be the one paying the price.

So, spend an hour clearing the snow from your property. If you don’t, your homeowner or business insurance may deem you negligent, and will not help you cover the cost of an accident.  and around, and avoid liability in case of an accident. Or, better yet, hire the neighbors kid to shovel the snow for you.

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