A fellow I know was on the roof of his girlfriend’s house.
He went up to paint her steel roof, and before he could secure his safety line, he fell off the roof, broke his back, and almost severed 3 of his fingers.
He is in hospital at present, and in rough shape.
His nephew told me today that he was going after his girlfriend’s insurance company, and according to his words, he thinks he will get a “nice big chunk of change”
My question is…
- Why would the insurance company have to pay for his mistake?
We debated this very topic at a card game tonight, and everyone thinks he is correct to seek damages from the insurance company.
I was the only one who thinks he should get nothing.
It was always my understanding that home owners liability insurance was for accidents lie:
Say you are a guest at my house, and while we are sitting on the back deck, the deck collapses, and as a result, you break your back and now you are laid up.
I always thought this is what liability insurance was for.
The fellow I know fell off the roof because he was careless, why should / would the insurance company have to pay him for that?
I’d appreciate it if someone could fill me in and tell me how things work.