What is what to do when tree falls on house?

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What to Do When a Tree Falls on Your House

A tree falling on your house can be a frightening and stressful event. Here's a breakdown of steps to take:

1. Safety First: Immediately evacuate if you believe the structure is unstable. Prioritize the safety of yourself, your family, and any pets. Call emergency services (911 in the US and Canada) if anyone is injured or if there is a fire or other immediate danger. Do not attempt to move the tree yourself. There may be live electrical wires involved. Check for gas leaks as well.

2. Document the Damage: Once it's safe, thoroughly document the damage with photos and videos. This will be crucial when you file your insurance claim. Take pictures of everything: the tree, the point of impact, interior damage, etc.

3. Contact Your Insurance Company: Notify your insurance company as soon as possible. Your homeowners insurance policy typically covers damage from fallen trees. They will guide you through the claims process and send an adjuster to assess the damage. Understand your policy's deductible and coverage limits.

4. Prevent Further Damage: Take reasonable steps to prevent further damage to your property. This might include covering holes in the roof with tarps to protect against rain or boarding up broken windows. Keep receipts for any expenses related to these temporary repairs, as your insurance may reimburse you.

5. Professional Assessment and Removal: Get professional help to remove the tree. Contact a reputable tree removal service that is licensed and insured. They have the equipment and expertise to safely remove the tree without causing further damage to your home. Also, consult with a structural engineer to assess the structural integrity of your home, particularly if there is significant damage.

6. Temporary Housing: If your home is uninhabitable, your insurance policy may cover temporary housing expenses, such as hotel costs or rental assistance.

7. Claims Process: Work closely with your insurance adjuster throughout the claims process. Provide all requested documentation and information promptly. Understand the timeline for repairs and payments. If you disagree with the adjuster's assessment, you have the right to obtain a second opinion.

8. Legal Advice: If you suspect negligence on the part of a neighbor or other party that caused the tree to fall, consult with an attorney to discuss your legal options. For instance, if a neighbor's tree was clearly diseased or neglected and they failed to address it, they may be liable for the damage.