What to Do When a Tree Falls on Your House

A tree falls on your house can be a shocking and overwhelming experience. When nature strikes, it’s crucial to stay calm and know the steps to take. From ensuring safety to handling house damage and contacting the right professionals, there are several important actions to consider. Here’s a guide on what to do when a tree has fallen on your home.

Prioritize Safety and Evacuate

The first thing you must do is ensure everyone’s safety. Immediately evacuate your home, including your family and pets, and move to a safe location away from the damage. If the tree falls during the night or when you’re unsure about the situation, do not risk re-entering the house. Seek shelter at a neighbor’s house if necessary. It’s essential that you don’t return to the house until professionals confirm it’s safe.

Call 911 as soon as possible to get emergency services on the scene. Emergency responders are trained to assess dangerous situations, particularly if power lines are involved. The risk of electrocution is a serious concern if the tree has taken down electrical wires. The fire department can help secure the area, assist anyone who may have been injured, and ensure there are no additional hazards.

Lastly, if it’s safe to do so, turn off your utilities. Shut off the main breaker in your electrical panel and turn off the gas line at the meter. This is important for preventing further damage like water damage or gas leaks that could worsen the situation.

Assess the Damage Carefully

Once it’s safe to return, take the time to assess the damage. Start by documenting everything you can. Use your phone or camera to take pictures and videos of the affected areas, both inside and outside your home. This visual evidence will be vital when you need to file an insurance claim later.

Look for signs of structural issues. A fallen tree can cause roof collapse, damage to support structures, and even cracks in your home’s foundation. If the damage looks significant or you notice any safety concerns like gas leaks or unstable walls, do not attempt to fix it yourself. It’s essential to have structural engineers or contractors inspect your home thoroughly.

Contact Your Insurance Company

Your next step is to contact your homeowners insurance provider as soon as possible. Most insurance policies will cover the damage caused by a fallen tree, including roof damage, foundation problems, and any damage to support structures.

When you call your insurer, be prepared with all the necessary information. Your insurance company will assign a claim number and send an adjuster to inspect the damage. The adjuster will assess the condition of your home, so make sure you’re available to walk them through the damage and point out any areas you’ve noticed. It’s important to note that you have the right to choose your own contractors for repairs, even if your insurance company suggests a preferred provider.

Hire the Right Professionals

When a tree falls on your house, you’ll need to bring in a team of professionals to safely handle the situation and begin the repairs.

1. Tree removal services are essential for safely removing the tree without causing additional damage. These experts will have the necessary equipment and expertise to manage the situation.
2. Roofing contractors are vital for addressing roof damage caused by the fallen tree. They can also help protect your home from weather damage until repairs are made. Look for roofing experts who handle emergency services and have experience working with insurance claims.
3. Structural engineers are crucial for identifying potential structural problems. They can spot issues that might not be immediately visible, such as damage to the foundation or internal support structures. Their expertise ensures that all repairs are done safely and properly.

Frequently Asked Questions

Q: Should I re-enter my home after a tree has fallen on it?
No, your first priority should be your safety. Wait for professionals to confirm that the house is safe to enter.

Q: What should I do if I notice gas smells or water leaks after a tree falls?
If you suspect gas leaks or water issues, turn off the gas line and main breaker right away. Call 911 to report these hazards and get immediate help.

Q: Can I choose my own contractors for repairs after the tree damage?
Yes, you have the right to select your own contractors, even if the insurance company suggests certain ones. Make sure to hire roofing contractors and structural engineers with experience in handling storm or weather damage.