If I cut a tree and it hit my shed is the damage covered? Does it matter if a friend helped me?

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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: Nov 5, 2012

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Insurance Question from Blacksburg, VA

Asked on 11/05/2012

If I cut a tree and it hit my shed is the damage covered? Does it matter if a friend helped me? NULL

Answer given on November 08, 2012

If a tree falls on your shed, even if you caused the tree to fall, the damage to the shed is covered. However, the deductible on your homeowner policy does apply to this damage. Also, the portion of the tree that is on the shed will be removed, but the remaining part of the tree will not be removed. Falling objects is a covered loss under the homeowner policy, as well as error by the property owner. Be sure the damage is sufficiently over your deductible to warrant turning in the claim to your insurance company, since you could lose your claim free discount by submitting the claim. You can call your agent or company and ask what the claim free discount is, if you don’t know it. You do not have to report the claim until you know if it is worth it. Don’t discuss the possible claim right away, since even a short discussion, could result in the claim being shown on your record and you could still lose the discount.

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