Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Apr 27, 2013

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Insurance Question from Covington, GA

Asked on 04/27/2013

i cut a tree down in my backyard and it fell on my building in the back yard. it has aseperate coverage on my policy for approx. 7500 dollars. i am with state farm ins

Answer given on June 24, 2013

Even if you caused damage to a structure on your property while cutting down a tree, your insurance will cover for the damage to the structure.The policy deductible will apply to the damage. In addition, you will have a claim against your homeowner policy. Make sure that the damage to the building is enough to exceed the deductible, and will exceed any premium increase you may receive due to the claim discount being removed.Get an estimate for the repairs to the building. If it is enough, the call your agent or insurance company to get the claim started. Explain how the damage occurred and that you have gotten an estimate for the damage. The adjuster will then work with you to settle the claim and you will receive a check for the damages, less your deductible.


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