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Does Homeowners Insurance Cover Dog Bites?

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After you’ve been bitten by someone else’s dog, you’ll need to know whether homeowners insurance covers dog bites. The answer to this question will guide your pursuit of compensation for the injuries you’ve suffered.

It might seem unlikely, but even the sweetest dog can attack, and you’ll need to know where to look as you seek to recover compensation. Fortunately, a lawyer from Craig Swapp & Associates can help ensure that you don’t pay out of pocket when a dog attacks.

Why Do I Need Coverage?

When a dog bites a person, it can leave serious damage, including infection, post-traumatic stress disorder (PTSD), and broken bones. The dog owner is usually liable for the damages. That’s why many homeowners purchase homeowners insurance policies that cover dog bites.

After you’ve been bitten, you’ll need to find out whether the dog’s owner has homeowners insurance and whether his or her policy will cover your dog bite. An attorney can help you find that information quickly.

Dog Bite Claim Process

After the dog attack, you will need to file a claim with the dog owner’s insurance company. You’ll tell the insurer what happened and how, and the insurance company will try to determine the cost of the damages.

From there, the insurer will make a settlement offer or deny your claim. If the offer is fair, you can accept and move on. However, the first offer is not likely to be fair, which is why it’s helpful to team up with a qualified and experienced attorney as you seek compensation for your dog bite injuries.

Contact a Seattle Dog Bite Lawyer

Dogs make great companions, but they can also do damage, both to your body and your wallet. Medical bills can leave you in debt for a long time, but the good news is that homeowners insurance often does cover dog bites.

If you need help recovering compensation after being bitten by a dog, call an attorney at Craig Swapp & Associates. Our attorneys can help you work with the insurance company to recover the compensation you deserve for your injuries.

To get started, just give our attorneys a call at 1-800-404-9000 or complete the online contact form below to schedule a free consultation.

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Client Reviews

“I was concerned with all the paperwork”

Before calling your firm I had 2 big worries. One was I didn’t want to do more paper work, and that fear was resolved when I had to do very little, but Craig Swapp and Assoc. did most of it, and when I did have to come in to sign papers they worked around the times I could do it. Worry 2 was I didn’t want people to think I was “sue happy” and that I was just out to get money. I just wanted my bills to be paid for that were from the accident, and that was resolved I think by Mr. Wes Mortenson and Theresa because they listened to what I had to say.

Amber W.,

Spokane, WA

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My biggest fear was not having all the expenses caused by the accident paid for in full. I was assured they would be taken care of but I admit I was skeptical. When we wrapped everything up (which happened quicker than I was originally told) I had extra money in my pocket. I honestly thought there was a catch but my attorney explained everything to me in detail. If I am ever in that position again I’ll be giving Craig Swapp a call.

Robert N.,

Spokane, WA

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I was afraid of the fees I would have to pay a lawyer. I waited over a year before hiring your law firm. I finally reached out to your online help where they were able to help me understand the process and what would happen. In all honesty I absolutely loved working with the individuals that were involved in my case. They were genuine & heartfelt about my case. It felt as though they really cared and were concerned about me, not just as a client but as a person.

Lacey B.,

Salt Lake City, UT

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I was afraid that my issue was too small to be handled, and that it would just be rejected. Or that I’d end up having to pay for my medical expenses and any of your teams expenses. I would definitely answer yes, it was resolved! I wasn’t ever made out to feel like my little issue didn’t matter, and my expenses were paid for- just what I wanted/needed.

J. Rohas,

Caldwell, ID

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My biggest fear was that it would be pointless to pursue legal action in my case. I felt like maybe I didn’t have much of a case. After speaking with Paul, I realize it was not of my own fault and that others can be held responsible for the pain and suffering I went through.

Dollie J.,

West Jordan, UT

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