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: Mar 17, 2016

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Insurance Question from Perry, GA

Asked on 03/17/2016

I need to file a claim on previously owned house. Damage to property occurred while I still owned property. Septic system failed, had to replace, Septic drain field was replace but sprinkler was damaged, had to repair and a brick walk was damaged, had to replace, Electrical to electric gate was damaged had to repair. Gate still does not work, board in gate control shorted out needs to be replaced.Cost was about $17000

Answer given on May 03, 2016

If you had a homeowner claim while you still owned the home, you should file the claim with the insurance company that insured that property at the time of loss. You should discuss the claim with your agent or insurance company as much of this may not be covered by the homeowner insurance policy. The electrical damage may be covered, but the damage to the sprinkler and brick walk may not be covered as many water type damages are not covered under the standard homeowner insurance policy. Of course the deductible will be applied to any covered loss. You should review your policy to see if there are any exclusions to septic related losses and discuss with your agent. You should do this sooner rather than later as a timely report of loss is required under the homeowner insurance policy.


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