[DO NOT PUBLISH]

IN THE UNITED STATES COURT OF APPEALS

FOR THE ELEVENTH CIRCUIT

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No. 11-11604

Non-Argument Calendar

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D. C. Docket No. 1:09-cv-02007-MEF

JOHNNY HARMON,

Plaintiff-Appellee,

versus

ALLSTATE PROPERTY AND CASUALTY

INSURANCE COMPANY,

Defendant-Appellant.

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Appeal from the United States District Court

for the Northern District of Georgia

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(August 29, 2012)

Before WILSON, EDMONDSON, and BLACK, Circuit Judges.

PER CURIAM:

Defendant-Appellant Allstate Property and Casualty Insurance Company

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(“Allstate”) appeals the trial court’s denial of its motion for judgment as a matter

of law or, in the alternative motion for a new trial. No reversible error has been

shown; we affirm.

Allstate issued a homeowner’s policy to Johnny Harmon with a dwelling

limit of $252,000. When the house experienced a fire causing severe property

damage, Harmon sought to recover from Allstate for the property damage caused

by the fire. When Allstate refused to pay, Harmon brought suit to recover

insurance proceeds for damages to his house and its contents. Harmon claimed his

house was entirely destroyed and sought to collect the policy limits.*

The jury heard evidence from Harmon and a builder called as an expert

witness that the house was fully destroyed and unrepairable. The application for

the policy was introduced; it set out $222,564 as the replacement cost of the

dwelling; $317,000 as the current market value; $242,000 as the purchase price;

and 2,900 square feet as the ground floor square footage. Also introduced was the

proof of loss; it stated that the actual cash value and amount of loss for the

dwelling was $252,000, which would mean that the value of the dwelling after the

 Georgia’s Valued Policy Statute, O.C.G.A. § 33-32-5, provides that when a residential *

building is wholly destroyed by fire, the amount of insurance set out in the policy is conclusive,

except for depreciation. If Harmon’s house was wholly destroyed, this section would entitle him

to the full amount of the policy limits: $252,000.

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loss was $0.00. And the jury was shown many photographs of the dwelling after

the fire.

Other witnesses testified that parts of the house were salvageable; but no

testimony was introduced detailing how much it would cost to repair the house. 

And no testimony was introduced about the diminution in value of the house as a

result of the fire.

In response to special interrogatories, the jury found that the house was not

wholly destroyed. The jury awarded $130,000 for damage to the structure and

$18,400 for contents lost and additional living expenses incurred. Allstate

challenges only the award for damage to the structure.

Allstate contends that the district court erred when it denied Allstate’s

motion for judgment as a matter of law or, in the alternative motion for a new trial. 

According to Allstate, Harmon proffered insufficient evidence at trial upon which

the jury could calculate damages; and because of this insufficiency, the jury

verdict must be the product of speculation, conjecture or guesswork. 

In Georgia, “[i]t is axiomatic that damages cannot be left to speculation,

conjecture, or guess-work and must be proven with reasonable certainty.” Kroger

Co. v. U.S. Foodservice of Atlanta, Inc., 607 S.E.2d 177, 181 (Ga. App. 2004). 

Once the jury rejected Harmon’s contention that the dwelling was wholly

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destroyed, the evidence provided the jury with some basis for calculating

damages; the evidence was less than necessary to allow the jury to figure damages

with exact precision. But exact precision is not required.

In evaluating the sufficiency of evidence regarding

damages, the ability to estimate damages to a reasonable

certainty is all that is required and mere difficulty fixing

the exact amount will not be an obstacle to the award. 

The rule against the recovery of vague, speculative, or

uncertain damages relates more especially to the

uncertainty as to cause, rather than uncertainty as to the

measure of extent of damages.

McCannon v. McCannon, 499 S.E.2d 684, 686 (Ga. App. 1998) (internal

quotation and citation omitted). And, “[t]he question of damages being one for

the jury, a reviewing court should not interfere unless the damages are either so

small or so excessive as to justify the inference of gross mistake or undue bias.” 

O.C.G.A. § 13-6-4. 

In the light of the data in the application for insurance and the proof of loss

statement, together with the photographs that allowed the jury to form their own

opinion about damages, see Oglethorpe Realty Company, Inc. v. Hazzard, 321

S.E.2d 820, 822 (Ga. App. 1984), and other testimony at trial, sufficient record

evidence supports the jury’s verdict. The amount awarded fell comfortably within

the range of amounts supported by the evidence.

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Allstate fails to show that the district court committed reversible error in its

denial of Allstate’s motion for judgment as a matter of law or, in the alternative,

motion for a new trial. 

AFFIRMED. 

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