I'm an unlicensed handyman workers working for a gentlemen over a month .I fell with the ladder over 14' ft inside this man property. I landed on my right heel of my foot, fractured my heel. And I require foot and ankle surgery, Is there any type of help with my expenses? Time, pain &suffering?
Contact a local personal injury attorney. That attorney will assist you with gathering the facts to see if there is negligance on the part of the homeowner; or if possibly the latter was defective & a product liability claim can be brought; and check to see if there is proper homeowners insurance coverage; he should also be able to assist you in obtaining any necessary medical care.
There are two possibilities. Some homeowners policies will provide workers' compensation coverage for such an event which would cover medical expenses, temporary disability and any permanent disability. Alternatively, you may have a liability claim for past and future medical expenses, lost income and pain and suffering. The policy will cover either the workers' comp or the liability, but not both. You should probably consult with a good local personal injury attorney about the facts and your options.
Depending on the cause of the fall, you may have a claim.
Also, depending on the home owner's insurance policy language, they may have to cover your expenses.
Seek a personal injury attorney in your area for a free consult to discuss. Get copies of your medical records and bring them with you.
If you are in the NY/NJ area, I handle such matters. If not, good luck.
Depends upon your state law and the ins policy and facts. Some states have a formula for determining if you are an employee based upon the number of hours worked and or pay recd. If you qualify as a statutory employee, then you are entitiled to workers comp benefits, and most homeowner ins policies will provide that coverage. If there is no coverage, you may have the right to file with a state's uninsured employerfund. You also have a right in some states to then sue the employer. If you dont qualify as an employee, you can sue the homeowner if he was negligent in some way. Contact a local injury and or work comp lawyer asap.
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