There may come a point when you need to hire a contractor to do work on your home or property, whether it’s removing trees, installing a fence, or leveling out your backyard. Ideally, the company in question will know what it’s doing and take steps to avoid damaging your property. But sometimes, accidents happen.

Such was the case for a Gainesville investment property owner named Gina who turned to Dave Ramsey for advice when a tree removal company dropped a crane on her investment home.

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Not only did the company not offer to pay for the damage it caused, but it had the gall to ask the homeowner to pay for its services.

Unfortunately, this sort of thing isn’t an isolated incident. Accidents can occur in a variety of settings. So it’s important to know what to do in this situation.

Reach out to your insurer

Any time your house sustains damage, your first move should be to contact your insurer to see what steps to take. In a situation like this, it’s less clear whether your home insurance company should be picking up the tab for the damage.

It’s one thing for a tree to fall on your property during a storm and cause damage. In that situation, your only recourse is generally to file a claim with your home insurance company — even if the tree came from someone else's property. Similarly, in the above example, had a storm randomly blown through that caused the crane to fall, the contractor could potentially claim that it’s not liable because an act of nature caused the damage.

However, property damage that results from negligence or a mistake is a different story. In that case, you’re most likely looking at filing a claim against your contractor’s insurance or, if need be, filing a lawsuit.

It’s best to loop your insurer in, though. They’re likely to come out, assess the damage, and advise you further from there.

Before you do anything else, document the damage yourself. Sometimes, it can take a day or two for a claims adjustor to reach your property. That gives your contractor time to remove their equipment and retell the story in a manner that makes them look innocent. So the more evidence you can collect, the better.