Ice and Snow Accidents; Frequently Asked Questions

Question:  I fell on ice on the sidewalk outside my private home.  Does my homeowner’s insurance provide any coverage for my injuries?

Answer:  No.  Your homeowner’s insurance would cover you ony if a third-party made a claim against you.  You would not be covered for for medical bills against your own homeowner’s insurance.  Your medical bills and lost income would be your own responsibility. 

For example, if the mailman slipped and fell on your walkway and if the mailman sued you, then your homeowner’s insurance company would defend the homeowner as well as pay the damages or settlement.  If your insurance had “Med Pay” coverage, then it may cover some of the mailman’s medical bills without any proof of fault.

Question:  The weather forecasts a snow storm.  Must I stand ready to shovel my sidewalk during the storm at 3 am?

Answer:  No.  The law requires that you shovel a reasonable time after the storm has stopped. 

Question:  Do I have any obligation to clear the snow from the roadway in front of my home?

Answer:  No.  The roadway belongs to the City, and New York City has the obligation to clear the roads. 

If you have been injured in an ice and snow fall, please feel free to call us for a free consultation at 800-581-1434 or write to

Mark E. Seitelman, 1/11/11,


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