A young man recently asked me if he could make a claim against his own homeowners insurance policy. He told me he'd been working on his roof when he slipped and fell off, being seriously injured; he wanted to know if he could make a claim against his own homeowners insurance policy to help pay his medical bills and other damages. The answer is, unfortunately, no.
In Texas, most if not all homeowners insurance policies have an exclusion for claims by the named insured; that is, the homeowner or any family member of the homeowner who live at that house. Generally speaking, you can only make a claim against someone else's homeowners insurance policy if you're injured by them; as an example, if this young man had been working at somebody else's home and been injured by that homeowners negligence or carelessness he could make a claim then.
In Texas, personal injury claims and the laws regulating them can be very complex. If you or someone you know has been seriously injured at a home, on the job, in a car crash, or motorcycle accident or any other type of injury call the personal injury lawyers of Roberts & Roberts. We can help. We can answer your questions. The call will cost you nothing; it can mean everything.