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: Jan 21, 2011

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Insurance Question from Good Samaritan Village, NE

Asked on 01/21/2011

tree took out garge tree took out my garge,insurance agent came out , called tree removal service made a deal with them to remove tree garge,told insurance man that i couldn't pay them because of high deductable ,told me not to worry about it that he would take care of it i don't have no agremaet with tree service didn't tell them to remove tree insurance man told tree people to send him the bill'my insurance only paid $500 out of $2600 bill

Answer given on January 23, 2011

A homeowner policy will pay for the damage caused by the tree (to your garage) and to remove the tree from the structure.  Some policies will pay to remove the whole tree, others just the part on the structure.  You should read your policy, or talk to your agent about how your policy responds.  Of course, any damage would be subject to your deductible.

The $500 amount is usually the amount for tree removal on a homeowner policy and does not seem to reflect the damage to the garage.  You should talk to an adjuster to see if there is any further reimbursement due you for the garage.

The agent had no business setting up an agreement with the tree company without clarifying to all parties what would be paid.  If you were there when the agreement was made, you could be considered as responsible since you did not argue the agreement or request a written estimate.  You need to talk to your agent and see what he was thinking when he advised the tree company to proceed.


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