I love the summertime, but even I have to admit that the changing of the leaves is beautiful. While I don’t like the change in the temperature, I especially don’t care for the raking of the leaves. It seems as soon as you’ve finished raking, the wind blows and there are more leaves all over and it is back to square one with the raking.
Part of me would like to just wait until every leaf from every tree has landed before I pick up the rake, but that is impractical for many reasons. First, I’m relatively certain that my neighbors would have my head—not only would they have to look at my leaves, but it is virtually certain that my leaves would be blown onto their nicely raked lawns. This is probably enough to make me rake, but if it weren’t, the leaves themselves present problems. The problem that worries me most is that they are very slippery which worsens when they get wet. The last thing I want to deal with is my family, friends or even a stranger slipping in my driveway and getting injured.
If this happens, there are a host of legal questions raised. The biggest question goes to liability. Exactly what is and what is not covered by homeowner’s insurance depends on the policy for the property. Sometimes, notice is required or negligence is needed for the policy to pay. Other times, any injuries are covered. Yet other times, only medical bills are provided for. It is yet another maze that has to be navigated. Lots of answers exist in the fine print of the policies.
If you have questions concerning the coverage that you have or may need, feel free to contact me and I will be happy to try to help. In the meantime, I think it is time to rake the leaves again!