What is what to do when a tree falls on your house?

Here's what to do if a tree falls on your house:

1. Safety First: The immediate priority is your safety and the safety of those around you.

   • Evacuate if necessary: If the structural integrity of your home is compromised, evacuate immediately. Look for signs like cracking walls, sagging ceilings, or gas leaks.
   • Avoid downed power lines: Treat all downed power lines as live. Stay at least 10 feet away and call the power company immediately. Do not attempt to move the tree yourself if it's near power lines.
   • Check for injuries: Ensure everyone is accounted for and check for any injuries. Call emergency services (911) if needed.

2. Document the Damage:

   • Take photos and videos: As soon as it's safe, document the damage with photos and videos. This will be crucial for your insurance claim. Capture the tree, the point of impact, and all visible damage to your house and property.
   • Do not make extensive repairs yet: Avoid making any major repairs before your insurance adjuster has assessed the damage.

3. Contact the Authorities and Utility Companies:

   • Report the incident: Contact your local police or fire department to report the incident, especially if there are hazards like blocked roads or downed power lines.
   • Notify utility companies: If power lines are involved, call the power company immediately. Also, notify the gas company if you suspect a gas leak.

4. Contact Your Insurance Company:

   • Call your insurance company: Contact your homeowner's insurance company as soon as possible to report the damage and begin the claims process.
   • Understand your policy: Review your insurance policy to understand your coverage, deductible, and any limitations. Most homeowner's insurance policies cover damage caused by trees falling on your house due to wind, storms, or other covered perils.
   • Cooperate with the adjuster: Be cooperative and provide the insurance adjuster with all the information they need, including photos, videos, and any other relevant documentation.

5. Prevent Further Damage:

   • Tarp the roof: If possible and safe, cover any holes in the roof with a tarp to prevent further water damage.
   • Board up windows: Secure any broken windows to prevent further damage from the elements or intruders.
   • Do not attempt major tree removal yourself: Tree removal can be dangerous, especially when a tree is resting on a structure. Hire a qualified and insured tree removal service.

6. Hire Professionals:

   • Tree removal service: Get quotes from multiple tree removal services that are licensed, insured, and experienced in removing trees from structures.
   • Roofing contractor: Contact a reputable roofing contractor to assess the damage to your roof and provide an estimate for repairs.
   • General contractor: Depending on the extent of the damage, you may need to hire a general contractor to coordinate the repairs.

Important subjects:

• Safety First
• Document the Damage
• Contact Your Insurance Company
• Hire Professionals