Legal Question in Personal Injury in California

Re: In CA Does my homeowners insurance cover my son's injuries from housefire?

I am very sorry that your son was injured in the fire. Burns are a devastating injury.

Unfortunately, as the other responder noted, I am afraid that if you read your homeowner's policy carefully, you will probably find that injuries suffered by a family member are not covered by the liability provisions of the policy. (Look in the Exclusions section of the policy.) They are allowed to do this because of the public policy against permitting suits between family members.

You might check further with your insurance agent about medical coverage. Some policies provide for limited payment of medical expenses, regardless of fault. But pain and suffering would not be covered under such provisions, I do not believe.

As the other responder mentioned, you might also investigate to see whether the fire was caused by faulty electrical equipment or faulty installation by an electrical contractor. If so, an action against the manufacturer of the faulty equipment, or the contractor who installed it improperly, might be possible. Ask the Fire Dept for a copy of their reports on the fire.

Re: In CA Does my homeowners insurance cover my son's injuries from housefire?

I can't be sure without looking at the documents, but I would expect that such a claim would be excluded under your own policy.

Here's a question for you, though: how exactly did the fire start? Is there the possibility that someone else, like an electrical contractor, may have insurance to cover this loss?

If there is such a possibility, then call me, so we can explore it further. I can be reached toll-free at 877-LION-FOR-LAW