Tenant Injury Settlement for $300K
A tenant fell through a floor and suffered an injury. After the insurance claim was denied, McCoy & McCoy secured a $300,000 settlement.
December 2, 2025
By McCoy & McCoy
When you rent a home or apartment, you trust that the property owner has taken every reasonable step to keep the building safe. Unfortunately, that isn’t always the case. One of our clients recently learned just how dangerous neglected property conditions can be – and how quickly landlords may try to shift blame when something goes wrong.
The Incident: A Hidden Hazard Behind a Door Left Open
A Connecticut tenant suffered a serious lower-back injury after the floor collapsed beneath her inside a room that had always been open and accessible to residents. Even though the property owner later claimed it was a “private area,” it was unlocked and available to tenants.
This incident led to months of pain, surgery, and financial stress – all caused by unsafe property conditions and landlord negligence.
Initial Insurance Response: Claim Denied
When the claim was submitted, the insurance company denied it, arguing that the client should not have been in the room. This is a common tactic in premises liability claims, especially when landlords or insurers try to avoid responsibility for unsafe conditions.
Attorney Brian Parrott Fights Back
Attorney Brian Parrott, a Connecticut premises liability lawyer at McCoy & McCoy, stepped in immediately. He gathered evidence for the case and proved that the area was open and commonly used by tenants, that the structural conditions were unsafe, that the tenant did nothing wrong and acted reasonably, and that the property owner failed to maintain the building.
Final Result: $300,000 Policy Limit Obtained
After challenging the denial and presenting a strong case, Attorney Parrott secured the full $300,000 policy-limit settlement. Despite the insurance company’s refusal to accept responsibility at first, McCoy & McCoy persisted – and won.
This settlement ensures our client can move forward with the resources needed for medical care, recovery, and stability.
Property Owners are Legally Required to Maintain Safe Housing
Under Connecticut premises liability laws, landlords must maintain floors and structural components, keep common and accessible areas safe, repair hazards, and warn tenants of dangerous conditions.
When they fail in these duties, tenants have the legal right to seek compensation for injuries.
What This Premises Liability Case Shows
This case highlights several important points for anyone injured on unsafe property. Claims can be denied even when the tenant did nothing wrong and a strong premises liability attorney can overturn unfair denials. Policy-limit settlements are possible with the right evidence and advocacy.
Injured as a Tenant? We Can Help
If you’ve suffered a tenant injury due to landlord negligence – such as a fall through a floor, staircase collapse, broken railing, or any unsafe property condition – you may be entitled to compensation.
Call McCoy & McCoy today for a free consultation.
Your safety matters. We fight for tenants when landlords and insurance companies refuse to take responsibility.
Talk To an Attorney Today
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