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January 2021


Snow, ice, sleet – the weather is unpredictable this time of year. The National Floor Safety Institute estimates that slip and fall injuries account for over 8 million hospital emergency room visits in the U.S. every year. Due to this frequency, Encova's claims team receives many claims related to slip and fall injuries during winter months.

Determining coverage and liability in these situations can often be complex, because a slip and fall injury can occur no matter who you are or what your role is. Our claims team works hard to investigate claims, which often includes contacting all potentially responsible parties. When a claim is submitted, it is helpful to have copies of lease agreements, work orders and/or maintenance records that will help us determine coverage and liability. If photos or videos are available for use, these can also help during the first notice of loss (FNOL) process.

Our policyholders can only do so much to prevent a slip and fall injury in unstable weather conditions. However, a complete and thorough investigation will sometimes lead to the conclusion that the person slipped and fell because of snow, ice or sleet, and they were not using enough caution. Regardless of the outcome of the claim, our claims team always keeps our policyholders’ best interests in mind.

For further information on how to prevent slip and fall injuries, read these tips to shovel snow safely and effectively, and review what you need to know about winter walking safety.