File a claim with the state insurance commissioner's office. Take pictures and document everything. She committed insurance fraud. She had to pocket the money. If you take her to small claims court, you will definitely need the pictures. Proof is tatamount to getting her in a legal way. Pictures speak a thousand words. Oh and if she cut your trees and ruined them, you may have another claim as well. Here in Washington if someone cuts your trees and ruins them and does so without your permission you can get up to 3 times the value of the tree. Of course you will have to find out the laws in your state.