Homeowner’s Insurance Liability

Generally a typical homeowner’s insurance liability policy will cover the homeowner for losses if the insured property is damaged from a fire or a hurricane. Typically, if your home is burglarized and personal possessions are stolen a homeowner’s policy will cover the loss of any deductibles. If you own a pet such as a dog or a cat, make sure your homeowner’s policy covers you for any injuries your animal may cause any visitors to your home such as friends, pizza delivery persons, mailmen or guests. Increasingly the homeowner’s insurance carrier’s policies are excluding coverage for losses caused by an animal in your household such as a dog or cat. These provisions are called animal exclusion clauses under the liability portion of your homeowner’s insurance policy. However, you have to knowingly reject this coverage by signing your name to a provision that is called a waiver.

A waiver will typically state as follows: “I hereby understand that this policy does not cover any losses caused by any animal on my premises.” If you sign this waiver and subsequently someone is injured by your animal at your home then your homeowners insurance company can legally deny you any coverage against any claims made by the injured person. The homeowner’s insurance company can also legally refuse to defend against any claims filed against you if a lawsuit is filed. Thus you would be personally responsible for paying any such claim which may include medical expenses, wage loss, scarring and pain and suffering damages of the injured person. If the injured person sues you, then you would have to hire and pay for an attorney out of your pocket to defend you against the lawsuit.

If your homeowner’s insurance company tries to get you to sign an animal liability waiver you need to decline and, if necessary, shop around for another homeowner’s insurance company that will provide this valuable coverage. If you have been injured by an animal on someone’s property please contact or call the experienced attorneys at The Umansky Law Firm at 407-228-3838 for a free initial consultation.

Recent Criminal
Case Results

Grand Theft ($300-$5000)

Nolle Prosequi-Case Dropped

CT-Driving Under the Influence Car (M1)

Nolle Prosequi - Case Dropped

CT- Driving under the influence car

Nolle Prosequi - Case Dropped

Grand Theft Third Degree

Adjudicated Guilty; One day jail/one day time serve; Restitution fees; Court Cost

Petit Theft < 300

We negotiated an agreement that entailed the State dropping the charge after our client completed a Pre-Trial Diversion Program. The Charge was dropped via a Nolle Prosequi.

Unlawful Speeding

Withhold of Adjudication; No points on license; Paid fine and clerk cost; 8 hour aggressive driver class; 90 days to satisfy fine and class

Shoot/Throw Missile Into Dwell/Struct/Veh; Child Abuse; Criminal Mischief; Battery (Domestic Violence)

No Information Notice - Charges Dropped

Attach Tag/Lic Plate To Unassigned Vehicle (M2)

Nolle Prosequi - Case Dropped

DUI with Minor In Car or BAL of .20 or Higher

Pled No Contest, 1 Year Probation, 10 day Car Impound, Community Service

Motion to Modify Probation

Motion Granted in 48 hours

Petit Theft

Adjudication Withheld, 4 Months probation, Costs/Fines, Impulse Control Class

Petit Theft of $100 or MORE (M1)

Nolle Prosequi

Refuse To Submit To DUI Test (M1)

Case Dropped

Battery on Law Enforcement Officer (F3); Disorderly Conduct (M2)

Nolle Prosequi - Case Dropped


Charges Dropped

Scheme to Defraud(F3); Grand Theft(F3)

Motion to Terminate Probation Granted

Unlawful Speed


Failed to Yield at Intersection

Not Guilty

Leave Scene Of A Crash W/Property Damage (M2)

Case Dropped

Motion to Modify and Impose a Withhold of Adjudication


Attempted Burglary of a Conveyance

Charges dropped

Possession of Cannabis (less than 20 grams)

Charges dropped


Reduced to reckless driving

Possession of Alcohol Under the Age of 21

Charges dropped

Driving Under the Influence

Reduced to Reckless Driving

Violation of Probation

Case Dismissed

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Recent Personal
Injury Settlements


Scooter Accident


Car Accident


Car Accident


Government Liability Case


Back Injury

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