One of the most unfortunate scenarios homeowners never want to face is seeing guests injured because of accidentally slipping and falling while on their property. This is a matter of liability. In just about all jurisdictions, the homeowner would have to shoulder the burden of responsibility and cover the financial losses caused by the accident, which could include medical treatment costs and lost income. Slip-and-fall accidents can never be fully anticipated nor eliminated, but homeowners can take the following steps to reduce their likelihood.
1. Review Homeowners Insurance Coverage
Liability is an essential component of residential property insurance, but it should not be thought of as a “one-size-fits-all” provision. A large family who is constantly inviting relatives and friends for dinner parties or afternoons in the swimming pool should expect a greater potential of slip-and-fall situations. For this reason, consulting with a San Diego homeowners insurance agent is recommended.
2. Practice Good Housekeeping
Dirty and disorganized dwelling spaces increase the potential of accidents. Clutter is a major issue in this regard. Just because household members have learned to maneuver around piles of stuff without falling does not mean guests will be able to. Dust accumulation and greasy falls are major hazards that should be avoided.
3. Provide Adequate Lighting
The least illuminated areas of a home are the most likely to create tripping, slipping, and falling hazards. At a time when the prices of LED light bulbs, lighting strips, and motion detection sensors are very reasonable, providing adequate lighting is an easy way to reduce the risk of falling injuries at home.
4. Establish and Define Pathways
In these days of open floor plans, homeowners have more freedom in terms of arranging their furniture and décor, but they should be careful to not do it in ways that end up creating obstacles or tripping hazards. In the case of great rooms that flow from the foyer all the way to the kitchen and to the rear of the home, furniture should be arranged in a way that creates a division between the family den and the dining space, and this division should be wide enough to serve as a walking path.
5. Choose Soft Flooring Materials
Carpeting, bamboo, and floating laminate planks are considerably softer than other flooring materials such as porcelain tile, natural stone, and vinyl over concrete, thus making them safer in case of falls. Another consideration in this regard is to install floor mats in living spaces where children and older adults congregate.
6. Encourage Others to Be Safe
It’s practically impossible for homeowners to control the individual behavior of household members and visitors. However, tactful reminders to be safe can reduce the overall risk. If guests are drinking liquor, they should be reminded that excessive consumption may impair their balance in unfamiliar settings.
Get in touch with American Tri-Star if you need reliable homeowners insurance. We are also a leading provider of cheap auto insurance. San Diego residents can call 619-272-2100 today for a complimentary quote.