What Do I Do If A Tree Falls On My House?

Whether it’s winter storms or summer hurricanes that rock the weather in your area, high winds and heavy rains have the power to bring down the house. Literally.

Trees that appear sturdy can fall into your home during these events and cause major damage. Whether these natural wonders were dead inside and more vulnerable to the storm than you imagined, or compromised beyond repair by heavy winds and rain, every homeowner should be prepared to take action if a tree hits his or her house.

The following steps will help you make safe, knowledgeable decisions about what to do if a tree hits your abode:

  • Leave your property immediately: Do not linger in parts of your house that you think are safe. If a tree hits, the structure of your home is compromised, and no area is completely cleared of threats until a professional has inspected every corner.

  • Call your local emergency services: Call the fire department to survey the home immediately and check for hazards. Fallen trees can disrupt electrical lines, both within your home and outside, which can cause electrocution and fires. Allow the professionals to do their job and remedy any issues that may arise.

  • Contact roofing contractors, builders, and electricians to conduct home repairs: Your first priority is to make your home waterproof so that no additional storm damage occurs to your property or valuables. Rebuilding as needed will commence shortly thereafter.

  • Tree surgery: Tree removal specialists will need to cut up and remove your fallen tree. Many local tree care companies provide this service.

  • Pack up and secure your belongings: If you cannot live in your home immediately, be sure to put your valuables in temporary storage and ask the contractors to board up your home to prevent trespassing.

Warnings and Reminders

In crisis, its easy to forget the necessary steps to taking care of your home. Remember:

  • Damage caused by storms is usually covered by building insurance policies, including the cost of removing the tree.

  • If one of your trees falls on your neighbor’s property, that claim does not fall under your home’s insurance policy. The affected property owners must file a claim to their own insurance company.

At any time of year, a strong storm can fell your toughest trees. If one falls on your home, the first and most important step is to get yourself and your family out. Afterward, contact the proper professionals to help you handle the matter safely so you can return to your daily activities.