
Bitten by a dog in Florida? Understand strict owner liability and insurance coverage.
Dog Bites and Strict Owner Liability in Florida
Animal attacks cause severe lacerations, nerve damage, permanent facial scarring, and emotional trauma—especially when young children are involved. Unlike states that follow the "one-bite rule," Florida imposes strict liability on dog owners.
Florida Strict Liability Dog Statute
Under Florida Statute § 767.04, a dog owner is liable for damages inflicted by their dog if the bite occurs in a public place or while the victim is lawfully on private property:
- No Prior Knowledge Required: The owner is financially liable regardless of whether the dog previously displayed aggressive behavior.
- Lawful Presence: Includes mail carriers, delivery drivers, service contractors, and invited social guests.
- Bad Dog Signs Exception: Owners may reduce liability if a prominent "Bad Dog" sign is displayed, though this defense does not apply if the victim is under 6 years old.
Homeowners Insurance Recovery
Most dog bite claims are resolved through the dog owner's homeowners or renters insurance policy, securing financial coverage for plastic surgery and psychological care.
The statute of limitations for filing a dog bite injury lawsuit in Florida is two years (Fla. Stat. § 95.11).
Mariel Tollinchi, Esq.
Managing Partner at Tollinchi Law
With years of experience fighting for injury victims across Florida, Mariel is dedicated to helping families get the compensation they deserve.
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