I’ll add my two-penneth worth as I deal with claims like this for a living, on behalf of insurers and bodies such as councils and land owners.
The fact that a claim is being contemplated is not too unusual, I’ve dealt with far more dubious matters, including at the b&q store by Elland Road football ground, where a customer tripped over a kerb forming the landscaping between parking bays. The claim was defended but it was still taken on by a lawyer, they aren’t so fickle honestly. How about a skilled joiner drilling through a door to fit a lock and into the hand holding the door, yep he claimed but we defended it.
Best one, a male guest at a “massage parlour” cut his backside on a tile soap dish while being massaged in a shower. That went to court!
Looking at that photo, in my view the steps look “hazardous” from an occupiers liability perspective. That will be a area with high pedestrian traffic and it’s no defence to say there has been no previous fall. If they are uneven and hazardous then that is how they will be found to be, and liability will attach to the owner.
Claiming now is very easy. The lawyer submits the claim through an Internet site, it goes to the defendant or their insurer, they have 40 working days to investigate and respond. If they admit then medical evidence is needed.
Based on what the injury sounds like, you will probably be looking at £2500 for a fractured finger. These are all standard awards defined by JC Guidelines, that all insurers work to.
You can pretty much guarantee that if they admit liability, the steps will soon be fixed. If not, they won’t touch them as it could be deemed an admission.
All you need to decide is if you are the type to claim, some are, some aren’t. I see loads of absolutely genuine accidents and totally sympathise with the need for a claim. Others are clear try ons and verge on fraud.
I suspect you sit somewhere in the middle.