This winter, after I lost my footing and shattered my arm on an icy sidewalk, I knew I faced a grueling physical recovery. What I didn’t anticipate was the weeks of wrangling with an insurance company for what was ultimately a modest settlement. My slip-and-fall homeowners insurance saga offers lessons in case you, too, ever tumble to injury on snow, wet leaves, or another hazard.
My mishap happened in front of someone’s house on a January Minneapolis evening, as I was walking my twelve-year-old dog. The fall broke both the bones in my right lower arm, and a titanium plate and screws were required to put the larger bone back together. I lost about two months of work and a major gig, and I’m still having physical therapy to regain strength and range of motion in my hand and wrist.
After reviewing my claim for a few weeks, the insurance company said the homeowner wasn’t liable, and awarded me less than a fifth of the amount I sought.