It is understandable that you may not want to bring a legal claim against a friend or a family member. However, it is important to remember that if your friend or a family member has homeowners’ insurance for their property, any damages that you are compensated for will be paid out by the insurance company, not your friend or family member. Your friend or a family member has homeowners’ insurance for this very reason: to protect themselves and their assets if someone is injured on their property.