CLM-2025-0201
In ReviewSlip and fall by visitor at active construction site. Claimant alleges wet surface near building entrance was not properly marked. Demand letter received from claimant attorney.
$35,000
total incurred
Oct 14, 2025
Oct 15, 2025
Commercial General Liability
GL-2026-001234
General Liability — Slip & Fall
Financial Summary
Location of Loss
SMUD Headquarters Renovation, 6201 S St, Sacramento, CA 95817
Activity Timeline
Incident occurred
Oct 14, 2025 at 11:00 AMVisitor Linda Carmichael slipped on wet tile near east entrance of SMUD building. Sustained bruised hip and wrist sprain.
Incident report filed
Oct 14, 2025 at 3:00 PMSite supervisor completed incident report. Photos taken of area. Wet floor sign was present but visitor claims it was not visible.
Claim submitted to Hartford
Oct 15, 2025 at 9:00 AMFNOL submitted with incident report, photos, and witness statements from two site workers.
Adjuster assigned
Oct 20, 2025 at 2:00 PMPatricia Walsh assigned. Requested security camera footage and daily safety logs.
Demand letter received
Nov 5, 2025 at 12:00 AMLetter from Law Office of James Barton demanding $35,000 for medical expenses, pain and suffering. Forwarded to Hartford.
Investigation ongoing
Nov 15, 2025 at 10:00 AMHartford reviewing security footage. Wet floor signage visible in video. Comparative negligence defense being evaluated.
Reserve adjusted
Jan 10, 2026 at 9:00 AMReserve maintained at $35,000. Hartford legal team preparing response to demand letter.
Claims Adjuster
Patricia Walsh
Hartford Financial Services
Related Policy
Policy #: GL-2026-001234
Effective: Jan 1, 2026 — Jan 1, 2027
Premium: $12,480/yr
active