Call your insurance company first. Most homeowners insurance policies cover tree damage, especially if a storm or high winds caused the tree to fall. According to the Insurance Information Institute, standard homeowners policies typically cover damage caused by fallen trees, though coverage can vary depending on your specific policy and the cause of the fall.
After you report the incident, your insurer will likely send an adjuster to assess the damage. In the meantime, avoid permanent repairs, but you can and should take reasonable steps to prevent further damage, such as covering exposed areas with a tarp. Keep receipts for any temporary repairs since insurers often reimburse these costs.
After speaking with your insurer, contact a licensed tree removal company. Don't attempt to remove a fallen tree yourself, especially if it's resting on your roof or near power lines. Professional crews have the equipment and experience to remove trees safely without causing additional damage.
Once everyone is safe, check for these hazards before going back inside:
- Downed power lines: If you see any wires near the tree, stay away and call your utility company right away.
- Gas leaks: If you smell gas, leave the property immediately and call your gas provider or 911.
- Structural instability: Look for sagging ceilings, cracked walls, or visible gaps where the tree made contact.
If it's safe, take photos and videos of the damage from multiple angles. This documentation will be critical when you file your insurance claim.
How long does it take to repair a house after a tree falls on it?
Repair timelines vary widely depending on the extent of the damage. Minor damage, like a cracked gutter or a few missing shingles, might take a few days to fix. Significant structural damage, such as a compromised roof or wall, can take several weeks or even months, particularly if you need to coordinate between contractors, insurance adjusters, and permit offices.
To speed up the process, get repair quotes from licensed contractors quickly and keep detailed records of all communication with your insurance company.
Frequently Asked Questions
What if a neighbor's tree falls on your house? Your homeowners insurance typically covers the damage regardless of whose tree caused it. If the neighbor's negligence contributed to the fall, your insurer may seek reimbursement from their policy.
How much does it cost to remove a fallen tree from a roof? Costs vary based on tree size, location, and the extent of the damage, but many homeowners insurance policies cover this expense when the tree causes structural damage to the home.