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A Tree Fell on My House — What Now?

Illustration of a large oak tree fallen onto the corner of a house roof after a windstorm, with broken branches on the lawn
A fallen tree can damage the roof structure; stay clear until it is safely removed.

Safety, removal, tarping and insurance basics when a tree or large limb damages your home.

Get everyone out of danger

If the structure is compromised, leave. Treat any downed line as live and call your utility.

Photograph before removal

Capture the tree, the impact point and interior damage.

Emergency removal and tarping

Hire an insured tree service experienced with removal from structures, then tarp or board up openings.

Insurance basics

Coverage for removal often depends on whether the tree struck a covered structure. Ask your insurer about removal limits.

This guide is general information, not legal or insurance advice. Check your policy and consult your insurer or a licensed professional.

Related: Storm & Fallen Tree Damage

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