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What Do I Do If a Tree Falls on My House?

The tree was there when you moved in and at this point, it’s like part of the family.

Sure, sometimes it’s like an annoying part of the family. You’re not crazy about raking leaves or clearing brush from your yard every spring.

But you like how the tree looks. You like how it offers shade, how it gives your kids a place to play.

Then one day, the tree isn’t there anymore. A big storm comes along and uproots it or does so much damage that the tree can’t be saved.

Worse, part of the tree falls on your house. When that happens, there are some tips from a PA public adjuster on how to protect yourself, your family and your home.

1. Get out

If you’re on an upper floor when the tree falls, get to the first floor as fast and safely as you can, then head outside.

If there is debris from the tree blocking your exit, you may need to go out through a window. Just make sure everyone in the household is safe and accounted for.

2. Call for help

If for some reason you can’t get out of the house safely, call 911 to for help. If you see that power lines came down along with the tree, contact the police and your utility company.

You’ll also need to talk to your insurance company at some point too, as well as a tree removal service and roofing contractor.

Even if it was a tree from someone else’s property who hit your home, your insurance policy should provide coverage. It’s important to file a claim with your insurer even if you think a neighbor’s tree is at fault. A claim’s adjuster can investigate and conclude who was negligent and go from there, but that can only happen if you’ve submitted a claim.

3. Protect your home’s interior

If the damage from the tree opened a hole in your roof, you’re at risk from further damage from wind, rain or extreme temperatures.

So take steps to keep your home safe: put tarps or some other sort of weather resistant material over anything that can be damaged and make sure your doors and windows are locked. However, you should only enter your home to take these precautions after you’ve made sure there’s no danger from things like falling debris, loose flooring or electrical wires.

4. Removing the tree

Don’t attempt to handle removing the tree or repairing the roof on your home. The damage might not seem that bad, but you may not have a complete picture of the storm damage or whether the structural integrity of your home has been weakened.

You’ll need to call a tree removal company, which can handle things like pruning the branches, disposing of the debris and even removing the stump from your property.

And if you’re reading this as a precautionary measure, and not because a tree has fallen, it might be a good time for some preventative measures.

A professional tree service can examine your trees and tell you whether you have branches that need to be trimmed or – in more extreme cases – trees that need to come down.

It’s better to spend money on this now than worry about the cost of dealing with more serious damage from a fallen tree.

With a public adjuster, PA residents can make sure their falling object damage is covered

If a tree falls on your home, it might be tough to determine the full extent of the damage. This is when it’s time to call a public adjuster. PA residents who are dealing with falling object damage can count on a public adjuster to estimate the scope of any damage to give you a fair and accurate value for your claim.

Has your home been damaged by a tree or other falling object? Contact Interstate Public Adjusters. Our experts are skilled at helping people deal with the roadblocks insurance companies might put up on your path to a settlement.

As we’ve said before, we hope people never have cause to use our services. But if a tree does land on your house, you can trust us to help you put things back in order.

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