Greg Nutter

My client Mike Thomas, owner of Thomas Graphics and a printer in North Hollywood, California, recently asked me about the coverage on his printing business. He has a lot of assets, including expensive printing equipment, so we took a closer look at his theft and property damage coverage.

Another thing we discussed was life insurance on himself and other key personnel in his business. I am a Farmr's insurance agent in Santa Clarita, and will be glad to answer any of your questions on the various types of coverage you need for your small business.

If my neighbor's tree falls on my house and I sustain damage to my roof, whose fault is it? This is a common question I am asked. The answer is that the insurance company considers this to be an 'act of nature' - no one's fault.

You homeowner's insurance policy covers any damage to your roof done by wind, hail or ice - no matter whose tree it is. It is then your responsibility as a homeowner to avoid any further damage by having the tree removed and then covering your roof if it is exposed.