If a tree falls on your home, it’s important to take the right steps to ensure safety and get the claims process started correctly. Here’s what you should do:
Stay Safe:
If anyone is injured or there’s immediate danger (like gas leaks or electrical hazards), call 911 and exit the house safely.
Document the Damage:
Before moving anything, take detailed photos and videos of all visible damage—both inside and outside. This includes structural damage, damaged personal items, and the fallen tree.
Preserve Damaged Items:
Do not throw away any damaged belongings. Insurance companies may want to inspect them. You can move them to a safe place like your garage or driveway, but keep them accessible.
Prevent Further Damage:
Take steps to limit additional damage if it's safe to do so. For example, place a tarp over exposed areas or move valuables out of water-damaged areas.
Contact a Tree Removal Company:
Hire a local, insured tree removal company to remove the fallen tree. Avoid hiring uninsured contractors.
Tarp the Roof:
Contact a roofer or the tree removal company to install a temporary tarp over the damaged part of the roof to prevent water from entering.
Check Your Deductible:
Estimate the extent of the damage. If you believe the damage exceeds your homeowners insurance deductible, you should proceed to file a claim.
File an Insurance Claim:
Once you confirm the damage is over your deductible, file a claim with your insurance company. Be ready to provide the photos, item list, and any other documentation they request.
Wait for the Adjuster:
After you file the claim and the roof is temporarily secured, you’ll need to wait for the insurance claims adjuster to contact you. They’ll schedule a time to inspect the damages before repair work can proceed.