Slip and Fall Demand Letters
Store and restaurant injury claims

Store and restaurant slip and fall injuries: When you're injured in a slip, trip, or fall at a retail store, grocery store, restaurant, or other commercial property, you may be entitled to compensation for your injuries. Property owners and business operators have a legal duty to maintain reasonably safe premises for customers and visitors.

Successful slip and fall claims require proving the owner or occupier knew (or should have known) about the dangerous condition and failed to fix it or warn you. This guide covers how to build a slip and fall demand letter, what evidence you need, and how stores and restaurants typically respond.

I handle slip and fall demand letters personally. This page focuses on general U.S. premises liability law. If your accident occurred in California, I have California-specific guidance that addresses state law in detail.

πŸ“© Received a Premises Liability Demand Letter? If you're a property owner who received a slip-and-fall demand, see my guide on How to Respond to Premises Liability Demand Letters β†’
Premises liability law for stores and restaurants

Premises liability is the area of law that governs injuries on someone else's property. When you're injured in a slip or fall at a commercial business, the owner or occupier may be liable if they failed to maintain safe conditions.

Visitor status: Invitee vs licensee vs trespasser

Most states classify visitors into three categories, each owed a different duty of care:

Visitor Status Definition Duty Owed
Invitee Customer, patron, or business visitor invited for mutual benefit (stores, restaurants, banks, hotels) Highest duty: Owner must inspect, discover hazards, repair or warn, and maintain reasonably safe conditions.
Licensee Social guest or visitor on property for their own purpose (friend visiting, salesperson at door) Moderate duty: Owner must warn of known hazards but generally not required to inspect or discover hidden dangers.
Trespasser Person on property without permission Minimal duty: Owner must not intentionally harm or set traps; limited duty to warn of hidden dangers.
Customers are invitees: If you were shopping, dining, or otherwise conducting business at a store or restaurant, you are an invitee. The owner owes you the highest duty of careβ€”to inspect regularly, discover hazards, and either fix them or warn you.
California note: California abolished the invitee/licensee/trespasser framework in Rowland v. Christian and applies a general duty of reasonable care to all visitors. Other states still use the traditional framework.
Elements of a slip and fall premises liability claim

To succeed in a slip and fall claim, you must prove:

  • Duty: The owner/occupier owed you a duty to maintain safe conditions (established by invitee status in most states).
  • Breach: The owner/occupier breached that duty by failing to inspect, repair, or warn of the dangerous condition.
  • Causation: The breach caused your fall and injuries (the hazard was the reason you fell).
  • Damages: You suffered actual injuries and losses (medical bills, lost wages, pain-and-suffering).
Common slip and fall hazards in stores and restaurants
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Wet floors & spills
Water, grease, food spills, or cleaning solution on floors without warning cones. Common in grocery stores, restaurants, and big-box retail.
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Merchandise & debris
Items left in aisles, boxes in walkways, clothing on floors, or cords/cables creating trip hazards.
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Uneven surfaces
Cracked tiles, loose mats, transitions between surfaces, raised thresholds, or potholes in parking lots.
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Poor lighting
Burned-out bulbs in walkways, stairwells, parking lots, or restrooms making hazards difficult to see.
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Defective doors & mats
Automatic doors malfunctioning, entrance mats bunched or curled, worn carpet edges.
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Weather hazards
Ice, snow, rain tracked into entrance, no mats or absorbent surfaces, failure to salt or sand parking lots.
Comparative negligence: When you share fault

Most states apply comparative negligence, which reduces your recovery if you were partially at fault for your fall. Common comparative fault arguments include:

  • Failure to watch where you were walking: You were distracted by your phone, talking, or looking at merchandise instead of watching the floor.
  • Obvious hazard: The dangerous condition was open and obvious, and you should have seen it.
  • Ignoring warning signs: Wet floor cones or caution tape were present, and you ignored them.
  • Inappropriate footwear: You were wearing high heels, flip-flops, or shoes inappropriate for conditions (e.g., smooth soles in ice/snow).
  • Intoxication: You were under the influence of alcohol or drugs.
How comparative fault affects recovery: In pure comparative negligence states (e.g., California, New York), your recovery is reduced by your percentage of fault (30% at fault = 30% reduction). In modified comparative negligence states (e.g., Texas, Ohio), you cannot recover if you are 50% or 51%+ at fault. Check your state's rule.
Notice: The key to slip and fall liability

The most critical element in slip and fall cases is notice. Property owners are generally NOT liable for hazards they did not know about and could not reasonably have discovered. You must prove the owner had actual or constructive notice of the dangerous condition.

Actual notice

Actual notice means the owner or employee knew about the hazard before your fall. Evidence of actual notice includes:

  • Employee created the hazard (spilled water while mopping, left box in aisle).
  • Employee saw the hazard and failed to clean or warn (witness saw employee walk past spill without cones).
  • Prior complaints or incident reports about the same hazard.
  • Surveillance video showing employees aware of the condition.
Example: You slip on grease in a restaurant kitchen. Security footage shows a cook spilled grease 10 minutes before your fall, and another employee walked through the area without cleaning it. This is actual noticeβ€”the restaurant knew about the hazard and failed to fix it.
Constructive notice

Constructive notice means the owner should have known about the hazard through reasonable inspections. You prove constructive notice by showing:

  • Duration: The hazard existed long enough that reasonable inspections would have discovered it.
  • Inspection failure: The owner failed to inspect or inspected inadequately given the nature of the business.
  • Recurring problem: Similar spills or hazards occur frequently in this location, requiring more frequent inspections.
Duration evidence: How can you prove how long a spill was on the floor? Look for: debris or dirt in the liquid (suggests it's been there a while), witness testimony ("I saw that spill earlier"), surveillance video timestamps, or lack of reasonable inspection logs (if store can't show recent sweeps, jury may infer hazard was there long enough to be discovered).
Mode of operation theory

Some states apply mode of operation theory to shift the burden of proof in self-service or high-traffic areas. Under this doctrine:

  • If the store's business model creates foreseeable risks (salad bars, produce aisles, beverage displays), the store may be liable for spills even without proof of notice.
  • The store must show it had reasonable inspection and clean-up procedures in place, or it is presumed negligent.
  • Common in grocery stores, big-box retailers, and self-service restaurants.
Example: You slip on a grape in a grocery store produce section. You cannot prove how long the grape was on the floor. Under mode of operation theory, the store may be liable because produce aisles inherently create slip hazards (items drop regularly), and the store must show it had reasonable sweep/inspection policies.
Inspection and maintenance records

Stores and restaurants typically have:

  • Sweep logs: Employees initial time-stamped logs showing when aisles or areas were inspected and cleaned.
  • Maintenance schedules: Floor waxing, mat replacement, lighting checks.
  • Incident reports: Records of prior falls or complaints in the same location.
  • Security video: Cameras showing when the hazard appeared and how long it existed before your fall.

In your demand letter and litigation, request these records via discovery or preservation letters. Lack of inspection logs can support constructive notice (if they can't show recent inspections, the jury may infer the hazard was there long enough to be discovered).

Building your slip and fall demand letter
Demand letter structure
1
Header & identification
Your name, address, date of incident, store/restaurant name and location. Reference any incident report number if available.
2
Incident narrative
Detailed description: date, time, location within store (specific aisle, entrance, restroom), what you were doing, exactly what hazard caused your fall, and immediate aftermath (who helped you, whether incident report was filed).
3
Liability & notice
Explain why the store is liable: owner's duty to maintain safe premises, actual or constructive notice of the hazard, failure to inspect/clean/warn. Cite any witness statements, surveillance video, or lack of sweep logs.
4
Injuries & treatment
Describe your injuries (fractures, sprains, contusions, head injury), medical treatment received (ER, specialists, physical therapy, surgery), current status, and prognosis (full recovery, permanent limitations, ongoing pain).
5
Economic damages
Medical bills (itemize by provider), lost wages (employer letter, pay stubs), out-of-pocket expenses (co-pays, medications, transportation, assistive devices).
6
Non-economic damages
Pain-and-suffering, loss of enjoyment of life, emotional distress. Describe impact on daily activities, work, hobbies, sleep, and relationships.
7
Demand & deadline
State your settlement demand (total of economic + non-economic damages, or policy limits if known). Give 30-day deadline for response. Indicate you are prepared to file suit if no reasonable settlement.
8
Attachments
Incident report, photos of hazard and scene, medical records and bills, wage-loss documentation, witness statements, any prior complaints about same hazard.
Spoliation warning: Include a paragraph demanding preservation of evidence: surveillance video, sweep logs, maintenance records, employee schedules. Note that destruction of evidence can result in adverse inference at trial.
Who to send the demand letter to
Identifying the responsible party

Slip and fall liability can involve multiple parties depending on the business structure and property ownership:

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Corporate-owned stores
Send demand to corporate headquarters, risk management department, or legal department. Find address on company website or in incident report.
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Franchise locations
Franchisee (local owner) may be primarily liable, but franchisor (corporate brand) may also be liable if they control premises maintenance. Send to both.
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Landlord vs tenant
If restaurant leases space, determine who controls the area where you fell. Tenant usually maintains interior; landlord maintains common areas (lobbies, parking lots). Send to both.
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Liability insurer
If you know the store's CGL (commercial general liability) carrier, send demand to them directly. Check incident report or ask store manager for insurer info.
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Third-party contractors
If janitorial company, snow removal service, or property manager was responsible for maintenance, they may be jointly liable. Include them in demand or separate claim.
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Shopping malls & plazas
If fall occurred in common area (hallway, food court, parking lot), mall management may be liable. Individual stores liable only for areas they control.
How to find the right contact
1
Check the incident report
If store/restaurant filled out incident report, it often includes corporate contact info, insurance carrier, and claim reporting instructions. Request copy at scene or later via follow-up.
2
Search corporate website
Look for "Contact Us," "Legal," "Claims," or "Customer Service" pages. Major retailers often have dedicated claims departments with mailing addresses.
3
Call the store
Ask to speak to the manager or district manager. Request the corporate claims department address and insurance carrier information. Confirm spelling of all names.
4
Send to multiple parties
When in doubt, send demand letters to store location, corporate headquarters, and any known insurer. This ensures notice to all potentially responsible parties.
Certified mail: Send demand letters via certified mail with return receipt. This provides proof of delivery and notice, which is important for statute of limitations and bad-faith claims.
Settlement ranges and timelines
Factors affecting settlement value
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Clarity of liability
Clear spill, obvious hazard, employee created it, or prior complaints = higher value. Disputed notice or comparative negligence = lower value.
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Injury severity
Fractures, surgery, permanent limitations = $50K-$500K+. Sprains, strains, soft-tissue = $5K-$50K. Bruises only = minimal value.
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Documentation quality
Photos, incident report, surveillance video, witness statements, medical records = strong case. No photos, no witnesses, delayed treatment = weak case.
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Plaintiff profile
Credible, sympathetic plaintiff with clean background = higher value. Prior claims, criminal history, inconsistent story = lower value.
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Venue
Plaintiff-friendly jurisdictions (urban, high verdicts) = higher settlements. Defense-friendly jurisdictions (rural, conservative) = lower settlements.
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Defendant size
National chains with deep pockets settle more readily to avoid litigation costs and bad publicity. Small local businesses fight harder due to insurance deductibles.
Typical settlement timelines
1
Initial response: 2-4 weeks
Insurer acknowledges demand, assigns adjuster, requests additional documentation (medical records, wage verification, surveillance video preservation).
2
Investigation: 30-60 days
Adjuster reviews evidence, interviews witnesses, checks sweep logs, analyzes surveillance video, orders medical record review by nurse consultant.
3
First offer: 2-3 months
Initial offer is typically lowball (30-50% of demand). Insurer tests your resolve and hopes you'll accept quickly.
4
Negotiation: 3-6 months total
Multiple rounds of demands and counteroffers. Adjuster must get approval for higher settlement authority from supervisor or claims manager.
5
Settlement or lawsuit: 6-12 months
If settlement reached, release and payment within 2-4 weeks. If no settlement, file lawsuit β†’ discovery β†’ mediation β†’ trial (adds 1-3 years).
Statute of limitations: Most states have 2-3 year statutes of limitations for slip and fall claims. Check your state's deadline and file suit before it expires if settlement negotiations stall.
How I handle slip and fall demand letters

I personally draft and negotiate slip and fall demand letters for clients injured at stores, restaurants, and other commercial properties. These cases require careful evidence gathering, notice analysis, and strategic negotiation with corporate insurers.

Services for slip and fall claimants
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Evidence preservation
I send spoliation letters demanding preservation of surveillance video, sweep logs, and maintenance records before they're destroyed or overwritten.
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Liability analysis
I analyze whether you can prove actual or constructive notice, review sweep policies, and identify mode-of-operation arguments where applicable.
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Demand letter drafting
I prepare comprehensive demands with incident narrative, liability analysis, medical summaries, and economic/non-economic damage calculations.
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Settlement negotiation
I negotiate directly with insurance adjusters and corporate risk managers, countering lowball offers with evidence-based rebuttal demands.
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Litigation representation
If settlement fails, I file suit, conduct discovery to obtain inspection records and video, and take cases through mediation or trial.
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Venue and valuation analysis
I research local venue jury verdict trends and comparable settlements to establish realistic settlement ranges and trial value.
Injured in a store or restaurant slip and fall?
I handle slip and fall demand letters and premises liability claims personally.
Email: owner@terms.law
Frequently asked questions

Photos are extremely helpful but not absolutely required. You can still pursue a claim based on:

  • Your testimony describing the hazard
  • Witness statements corroborating the condition
  • Incident report filed by store documenting the hazard
  • Surveillance video showing the condition
  • Store's lack of inspection records (suggests hazard was there long enough to be discovered)

However, cases without photos are weaker and settle for less because the insurer can dispute what the condition actually looked like. Always try to photograph the hazard immediately after the fall, or have a witness do so.

This is the "open and obvious" defense. Insurers argue that if a hazard was obvious, the store had no duty to warn you because you should have seen and avoided it.

Counter-arguments:

  • The hazard was NOT obvious (clear liquid on shiny floor, poor lighting, debris same color as floor)
  • You were distracted by a reasonable task (reading product labels, looking for items, talking to employee)
  • Even if obvious, store still had duty to remove or warn (varies by state)
  • Store's own conduct created urgency or distraction (employee directed you to aisle, sale signs drew attention)

In comparative negligence states, "open and obvious" may reduce your recovery but not bar it entirely.

Statute of limitations for slip and fall claims varies by state:

  • 2 years: California, Texas, Florida, Illinois, Pennsylvania, many others
  • 3 years: New York, New Jersey, Georgia, Ohio, Michigan
  • 4-6 years: Some states allow longer periods

The clock starts on the date of your fall. If you miss the deadline, your claim is permanently barred.

Special rules: Government property (city sidewalk, county building) often requires filing a tort claim within 6 months to 1 year before filing suit. Check your state's government claims act.

Incident reports are helpful but not required to pursue a claim. You can still recover based on other evidence.

Why incident reports matter:

  • Creates contemporaneous record of the accident
  • Harder for store to deny it happened
  • May contain employee admissions or descriptions of hazard
  • Provides store's insurance information

If you didn't file one: Send a written notice of the incident to store management and corporate headquarters immediately, describing what happened, when, and where. Request they preserve all evidence (video, logs, witness contact info). This creates notice even without a formal report.

Yes, but your recovery will likely be reduced under comparative negligence rules. Looking at your phone is a common comparative fault argumentβ€”insurers will claim you were distracted and should have seen the hazard.

How this affects your claim:

  • In pure comparative negligence states (e.g., California), jury might find you 20-30% at fault, reducing your award by that percentage.
  • In modified comparative negligence states, if you're found 50%+ at fault, you recover nothing.

Mitigating arguments:

  • You were using store's app to find items or check prices (reasonable activity)
  • Hazard was not obvious even to attentive walker
  • Store's failure to warn or clean was primary cause, not your distraction

Economic damages:

  • Medical bills (past and future)
  • Lost wages and diminished earning capacity
  • Out-of-pocket expenses (medications, assistive devices, transportation to medical appointments)

Non-economic damages:

  • Pain and suffering
  • Emotional distress
  • Loss of enjoyment of life
  • Permanent disfigurement or disability

Punitive damages: Rarely available in slip and fall cases. Only if store's conduct was grossly negligent or intentional (e.g., knowingly ignored repeated complaints about serious hazard causing multiple injuries).