Real Estate Law
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1. Am I liable financially for his fall? Yes, under either a theory of premises liability or liability while performing services for you.2. Do most insurance policies cover this type of accident? Policies vary. You should look at your actual policy to see what sort of premises liability coverage you have. 3. Is there anything at this stage that I can do to prevent or mitigate my losses? You should notify your insurance company of this possible claim. 4. I was thinking about giving him one month of rent for free, not admitting any fault, but instead because I feel bad. Is this a bad idea? At this point, do not offer anything or admit liability. He may use his own health insurance to cover his damages. That is not likely but any offer could be deemed or used against you as an admission of guilt. Once he makes a claim or demand, then you can offer the free rent or offer to cover medical costs or if your policy will cover his injury then just defer to them. 5. Any other advice you can offer to will be greatly appreciated. First thing is to review your homeowners' insurance policy for any protections. If there is coverage, wait for him to make a claim and then provide the information. If your insurance policy does not cover this, then acting through an attorney try to negotiate some sort of settlement where you perhaps waive rent and cover his medical damages.
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