Does Florida homeowners insurance cover dog bites?

Florida Statutes § 767.04 authorizes a victim to recover damages from a dog owner for dog bite injuries. When a dog attack victim receives an award of damages in a lawsuit, the dog owner will often cover the cost with his or her homeowner's insurance.

What counts as a dog bite?

A dog bite is a bite upon a person or other animal by a dog, including from a rabid dog. More than one successive bite is often called a dog attack, although dog attacks can include knock-downs and scratches.

What is considered a bite?

Human bites that break the skin can become infected. If someone cuts his or her knuckles on another person's teeth, as might happen in a fight, this is also considered a human bite. And a cut on the knuckles from your own teeth, such as from a fall, is considered a human bite.

Is there a difference between a dog bite and a dog nip?

In some cases, a party or witness may use the word "nip" to describe a bite. "Nip" is a pejorative word used to minimize the nature and extent of a bite, but which nevertheless means "bite." Merriam-Webster's Collegiate Dictionary 838 (11th ed.

How do I know if Im bitten by a dog?

  1. localized redness around your wound.
  2. warmth around the bite area.
  3. red streaks leading away from the bite.
  4. a fever.
  5. pus.
  6. swelling.
  7. pain.

What is Category 3 dog bite?

Category III: Single or multiple transdermal bites or scratches, licks on broken skin or contamination of mucous membrane with saliva licks.

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