If you see a large tree fall on your home, it is important to get to safety as soon as possible. Call 911, and follow any instructions from emergency personnel.
Assess the situation and determine if there are any other dangerous situations, such as down power lines or a neighbor’s tree blocking your driveway. If the situation is safe, you can begin assessing and cleaning up debris.
Taking photographs of the damage will help you file an insurance claim if necessary and show the extent of the damages. You can even use the photos to estimate the cost of repairs.
Most homeowner’s insurance policies will cover the cost of removing a fallen tree from your property. However, it’s a good idea to review your policy with your agent to make sure you have coverage and that it meets your needs.
If your tree has fallen on your home, it is important to have a tree removal company take care of the issue as quickly as possible. Many highly rated companies operate 24 hours a day and keep a fleet of specialized vehicles on standby for emergencies.
If you need to file an insurance claim, your homeowners or auto insurance policy will usually cover the cost of removing the tree and repair or replacement of your home. However, you should know that most insurers will not insure a fallen tree if it could have been prevented. This includes trees that are decaying or diseased, or if they’ve been in a storm.