Tree on Your House or Storm Damage: What to Do in the First Hour
Short answer: Get everyone out of rooms under or near the tree, stay far from any wires touching it, call 911 or your utility if lines are down, photograph the damage from a safe distance, and get emergency tree removal and tarping.
First-hour checklist
- Get people out of harm's way. Leave any room where a tree or limb has come through the roof or the ceiling is sagging.
- Assume wires are live. If a tree touches power lines, stay at least 35 feet away and call 911 or your electric utility. Don't touch the tree.
- Don't cut it yourself. Trees under tension or resting on a house can shift without warning. Leave removal to a professional tree service.
- Photograph from a safe distance. Capture the tree, the roof, inside damage, vehicles, fences and the stump or root ball.
- Limit further damage. Move belongings away from openings and catch water. A pro can tarp or board openings once the tree is removed.
- Notify your insurer. Report the damage and keep receipts for emergency work. Whether tree removal is covered may depend on your policy and what the tree hit.
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ClaimToRepair documents damage and gives you a photo report and estimate you can share with your adjuster. Coverage may apply depending on your policy; only your insurer decides.
Frequently asked questions
Who pays when a neighbor's tree falls on my house?
It depends on your policy, the cause and local rules. Often your own homeowners policy is the first place to start for damage to your house. Ask your insurer.
Can I get a tree off my driveway without insurance?
Yes. You can hire a tree service directly for urgent removal. Our immediate-service option connects you with one local pro and doesn't require insurance.