What To Do If A Tree Falls On Your House

Homeowners should follow the steps listed below in the unfortunate event a tree falls onto their house.

What Should You Do If A Tree Falls On Your House?

When a tree falls on your home, it can undoubtedly create an extremely dangerous situation. Large trees can go through roofs, break windows, and cause serious damage to both the home and surrounding area. Trees of any size are capable of bringing down power lines, which creates other dangerous hazards.

There can be a few circumstances in which a tree falls on a home, including high winds, storms, and floods. No matter the cause, a falling tree is always a serious situation. Follow these few steps listed below if a tree ends up falling on your house.

1. Get To Safety

Your first move should always be to get your entire family to a safe place in the home. Get away from the damaged part of the home, even if this means heading over to a neighbor’s home.

2. Assess Outside Damage

Once everyone and everything inside the home is safe, take an extensive look at the tree from outside. If the tree has torn down any power or gas lines, it’s wise to turn off the main breaker in the home’s breaker box or your gas line at the meter.

3. Record Everything

Always take videos and pictures of the damage regardless of how subtle the impact may be.

4. Cover Openings

Fallen trees can create significant damage, including bursting through roofs, walls, and windows. Always remain careful when attempting to temporarily cover any holes that may have been created. DO NOT go up on the roof, as this is always best left for the professionals.

5. Call For Professional Help

Call for help once the situation is under control. In the majority of cases, you should call both your utility and insurance companies. Your agent will advise you on how to proceed moving forward. The utility company will likely send someone over to check out the scene.

Will Homeowners Insurance Cover The Tree Removal?

Home insurance typically pays for repairs and tree removal when a tree falls on a home due to a storm. However, if the tree simply falls over in the yard without causing any damage, the homeowner must cover the expenses.

Home insurance will not usually cover the tree removal unless it ultimately falls on the home, fence, or garage. It is possible for insurance to pay for a tree removal if it is blocking your driveway or a wheelchair ramp.

Reference your insurance policy and contact your agent for further information. Typically, home insurance policies will cover tree removal up to $1,000 per storm.

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