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Dog Bite

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Homeowner’s Insurance

Dog bite attacks can unfortunately quite often be debilitating and can occur in any location. While some dog bite attacks occur out in the public, many occur on the owner’s property creating a liability issue in multiple ways. Homeowners are ultimately responsible for damage to guests which occurs on their property, much the same way that a store owner is responsible for any resulting injuries which a guest or client receives. If you or a loved one have received an injury from a dog bite while on someone else’s property, you may be entitled to receive compensation for your injuries.

Dog Bite Laws

Texas is one of the few states that does not have definitive dog bite statutes within the state codes. Therefore, the victims of dog bite attacks rely on court-made laws which date back to the 1970s and state that a dog owner will be responsible for any resulting damage if the dog had a propensity for violence and the owner was aware of this propensity. This “one bite rule” was based on common law developed over hundreds of years. Individual counties and cities in Texas might have more stringent laws relating to requirements dog owners have to follow, although this does not necessarily help compensate victims after an attack.

Homeowner’s Insurance

Homeowner’s and renter’s insurance policies now often include dog bite provisions which assist dog owners in case their pet attacks another person. Many landlords now require renters to hold additional insurance if they have a dog to cover any resulting liability which might be brought against the renter or the landlord. For the victim of a dog bite attack, homeowner’s insurance offers peace of mind that they will receive the damages they deserve after a devastating dog bite attack. Most homeowners or renters do not have the necessary funds to cover the resulting expenses after a dog bite attack which could include hospitalization, ongoing medical bills, lost wages, future earnings, and other damages a court may award to cover the emotional impact of a dog bite attack. Homeowner’s insurance policies will help bridge this gap.

However, it is important to refrain from reaching a settlement with an insurance policy prior to determining the true amount of your costs. Insurance companies are in the business of making money and will attempt to coerce you to settle for a lump sum amount which takes into account your medical bills and little else. However, after a devastating accident, you need to look at all the resulting expenses that start to pile up. An experienced personal injury attorney can assist you in developing your claim for damages and determining the total cost of your injuries.

Malley Law Firm | Houston Dog Bite Attorney

If you or a loved one were injured in a dog bite attack, do not hesitate to contact the Malley Law Firm. Tony Malley has years of experience in handling dog bite attack cases and will work tirelessly with you and your family to ensure you receive the compensation you deserve. Dog bite attacks can often be life-altering and unfortunately often involve children or the elderly. Contact our Houston or Beaumont office today for your initial free consultation.


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