Dog Bites & Homeowner's Insurance Claims

If you were hurt because of a dangerous dog, a fall, a pool accident, or unsafe conditions on someone else's property, the homeowner's or renter's insurance policy on that property may be responsible for paying your medical bills and other losses. Rudy Vasquez helps San Antonio families understand their rights and fight for full compensation under a homeowner's insurance policy.

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What Is a Homeowner's Insurance Claim?

Most homeowner's and renter's insurance policies include liability coverage - the insurance company, not just the homeowner personally, may be responsible for paying for an injury caused by their dog, a hazard on their property, or their negligence.

Dog Bite Attacks

In Texas, a dog owner can be held responsible for a bite or attack if they knew or should have known the dog had a history of aggression, violated a leash law, or were negligent in controlling the dog.

Dog attacks can cause serious physical injuries, including permanent scarring, and lasting emotional trauma, especially in children. In the most severe cases, an attack can result in death, and Texas wrongful death law allows surviving family to pursue a claim.

Insurance companies sometimes exclude certain dog breeds from coverage or refuse to renew a policy after a bite - we investigate the full insurance picture in every case.

Dog Bites Are Just One Kind of Homeowner's Claim

  • Trip and fall accidents on someone's property (uneven walkways, poor lighting, broken steps)
  • Swimming pool accidents, including drownings and near-drownings, especially involving children
  • Inadequate supervision of children at a home or gathering, leading to serious injury or death
  • Injuries caused by unsafe or poorly maintained property

Texas law gives swimming pools extra legal attention under the "attractive nuisance" doctrine, since pools can draw in children even without permission - property owners with pools have a higher duty to keep children safe.

Why These Claims Can Be Difficult

Insurance companies do not want to pay large claims. They may argue the injury wasn't serious, that the property owner wasn't at fault, or look for policy exclusions.

Having a lawyer investigate and deal directly with the insurance company can make a real difference.

Trusted Trial Experience

Rudy Vasquez is Board Certified in Personal Injury Trial Law - a distinction held by less than 10% of Texas attorneys.