Should my homeowners insurance pay medical bills after he fell off roof while cleaning the gutters?

Homeowners insurance may or may not cover medical expenses for an accident that occurs while someone is cleaning the gutters. Coverage can depend on various factors, such as the specific terms and conditions of your policy, the reason for cleaning the gutters, and whether the person injured was an authorized individual working on the property. Here's what you need to consider:

1. Policy Provisions:

- Carefully review your homeowners insurance policy to determine if it includes coverage for accidents resulting from gutter cleaning. Some policies may have specific provisions that address such incidents, while others might not.

2. Reason for Gutter Cleaning:

- If the person fell while cleaning the gutters as a maintenance or repair task to protect your property from damage, it's more likely that your insurance could provide coverage for the medical expenses.

3. Authorized Individual:

- Coverage often depends on whether the individual cleaning the gutters is an authorized person working on your property. If you hired someone to perform this task, your policy may cover the medical bills. However, if a guest or unauthorized individual was involved in the accident, coverage might not be available.

4. Negligence:

- If the accident occurred due to the negligence of the person cleaning the gutters, particularly if they did not take proper safety precautions or used inadequate equipment, your insurance might not cover the medical bills.

5. Limits of Coverage:

- Even if your policy covers the medical expenses, there may be limits on the amount of coverage available for such incidents. Check the policy limits to understand the maximum coverage amount for medical bills.

6. Contact Your Insurance Company:

- If you're unsure whether your homeowners insurance covers the medical bills, it's important to promptly contact your insurance company and report the incident. They will be able to assess your specific circumstances and coverage options.

7. Legal Obligations:

- Your policy might require you to take certain actions after the accident, such as reporting it to the police or seeking medical treatment within a specific timeframe. Failure to comply with these requirements could impact coverage for medical bills.

8. Additional Insurance Coverage:

- Some homeowners insurance policies offer optional endorsements or add-ons that may provide additional coverage for accidents happening during specific tasks, including gutter cleaning. Check with your insurance provider if these options are available to enhance your protection.

It's important to keep in mind that insurance policies can vary, so the best course of action is to consult with your insurance company, provide them with all relevant details, and seek clarification regarding coverage for the specific situation.