No one plans to buy a dryer that traps lint and sets it on fire, but every year there are 2,900 dryer fires, causing an average of five deaths. The easy way to keep your dryer from turning into a death trap is to clean it thoroughly at least once a week and be sure to clean the lint trap every time you’re done with a load of laundry.
Dryers aren’t the only appliance in your home that could cause a problem. Any item that has the chance of being manufactured improperly, designed poorly, or even improperly labeled, can be hazardous to you and your visitors.
Another common appliance that can become quite the hazard is your stove, especially if it’s not properly fixed to the floor or wall, which makes it a tipping hazard. The good news is that most modern stoves come equipped with the hardware for attaching it to the floor or wall, keeping it from tipping.
Lamps may seem quite innocuous, but they can be a fire hazard, too. If the plug is not properly seated in the wall outlet, there is a chance that anything touching it may spark, setting anything nearby on fire. So, while no one makes the conscious choice to buy a product that is defective, it happens all too easily and all too often.
When this happens, you might need an attorney to investigate just who or what was responsible for the defective product. Responsible parties can vary from the people who were responsible for manufacturing the product all the way to the retailers who sold it.
Premises Liability Incidents Can Happen in Your Home
You may be the type of person who has company over all the time or maybe just once in awhile. Either way, you certainly don’t want anything to happen to someone visiting your home. Something as simple as putting new rubber mats under your throw rugs could save you a lot of money and headache with the legal system. If someone visiting you slips on an unsecured mat, broken step, or icy entryway, you could be held liable for the damages and losses that person suffers. This can be complicated because homeowners don’t usually feel like it’s their fault if something like snow causes someone to be hurt.
However, another easy way to keep yourself out of the courtroom and from paying some hefty fees is to be sure to shovel and salt your sidewalks in the winter, preventing any random visitors from slipping on a patch of ice and seriously injuring themselves.
Your front door is usually how guests come into your home. Is it on a cement slab or maybe a small porch with a set of stairs? Do you have railings? Are the steps even? All of these things, while being a bit of an eyesore, can also have tragic consequences to anyone attempting to enter your home when problems go unaddressed.
It doesn’t take much to slip and fall or to catch your shoe on an uneven step, so problems like these are much cheaper to take care of than to neglect and risk accidents. Liability insurance can save you a lot of hassle if something does happen to a visitor in your home. It is always best to be prepared and not need the coverage than to need it and not have it.
On the flip side of things, if you ever get injured visiting someone else’s premises, an attorney can help you get compensated.
Protecting Your Home from Careless Drivers
If you watch the news, you have likely seen footage of a car that has crashed into a building, or even into a home. Believe it or not, this type of car wreck happens more frequently than you think. It’s not a great situation for either party, but it is something that can be prevented, at least somewhat.
Adding lighting to your yard, or the section of the road that most people drive on, is one option to help solve the problem. While it may not help, adding reflectors and guardrails that protect that section of property are also options a homeowner has, especially if the problem is recurrent. In some cases, the city may pay for and put up the lights, reflectors, and guardrails in an effort to keep those accidents from happening again.
Another problem facing homeowners who have a crash-prone home is being denied insurance if the problem happens too frequently. Fortunately, you can get in contact with your state’s insurance department and make sure that you have tried every agency in your town to ensure your bases are covered. The only other option is to move or to not buy a crash-prone home in the first place. You can always check the Internet for stories of your prospective home’s address, and information from the city should also be available about crashes and other reports.
Whether or not you plan to have accidents happen in your home, to yourself, or anyone else, they can happen in the blink of an eye. If you buy a defective item and it causes damage to your home or injures someone there, you have options since you wouldn’t be the first or the last to have the problem happen.
Getting insurance to cover your home for liability is a smart move, no matter how well you have your home set up or how careful you are to keep your home up to a good safety standard. While we can’t always know if our home is in danger from within or without, we can do our best to make good decisions when buying a home or making upgrades to a home we already own. You’re not only saving yourself time and money, but you might also be saving a cherished guest or family member quite a bit of pain and lost time themselves, just by being more active in the upkeep of your home.