This happened in Illinois. My husband was helping his cousin cut down a tree for a homeowner. A cut branch swung the wrong way and knocked my husband off the ladder he was standing on. He fell about 20 feet and landed on both of his feet, shattering his right ankle. Would a homeowners insurance policy cover any medical costs for my husband, since the injury occured on their property?
The homeowner was not home at the time the accident occured. The homeowner also was not aware my husband was the one doing the cutting of the tree as the homeowner had hired my husband's cousin to do the job. My husband's cousin owns a business and a claim was filed with his insurance, however since my Husband was being paid CASH, he was not considered an employee, they denied the claim.