Thank you for your response.
Under Oregon law, the owner of property is not liable for every injury that occurs to someone on their property. In order to hold the landowner liable for your accident, you have to prove that there was some type of defect in the poperty that caused your fall and subsequent injury and that the landowner had knowledge of the defect and failed to warn or cure the defect. Thus, while you can file your claim with the homeowner's insurance if it is on their property or the condo association insurance if it was common property, you would have to prove the step was defective and knowledge of the owner of the defect in order to collect damages and if you cannot do so they will deny your claim.
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