You hear a loud crash. Your heart races as you rush outside—and there it is: a tree has fallen right onto your roof. This sudden, stressful event raises a million questions. What should you do first? Will your homeowner’s insurance cover the damage? Who pays for removing the tree? How do you file a claim?

If this sounds familiar or if you’re just worried about what to do if a tree falls on your house, look no further. Many homeowners insurance policies do cover damage from fallen trees, but knowing exactly how coverage works, how to act safely, and what costs might be involved can save you time, money, and headaches.

In this guide, we’ll walk you through everything step-by-step: safety tips, what your insurance likely covers, how to file a claim, and ways to prevent future tree damage. Let’s get started.

Table of Contents

Immediate Actions to Take When a Tree Falls on Your House

Your safety and the safety of your family are the top priorities.

Step 1: Ensure Safety First

  • Evacuate if your home is unsafe. If the tree has severely damaged your roof or walls, leave the house immediately and stay somewhere safe.
  • Stay away from windows and the fallen tree area. Broken glass or unstable branches can cause injuries.
  • If power lines are down, call 911 right away. Don’t touch anything near the wires.

Step 2: Call Emergency Services If Needed

  • The fire department or utility company should be contacted immediately in case of downed power lines or fire hazards.
  • Tree removal specialists to remove unstable limbs or secure hazardous situations. Don’t try to remove large branches yourself.

Step 3: Document the Damage

  • Take clear photos and videos from multiple angles, showing the fallen tree and all affected areas.
  • Keep damaged belongings to help create an inventory later for your insurance claim.

Step 4: Prevent Further Damage

  • Cover holes in your roof or broken windows with a tarp or plastic sheeting to keep out rain.
  • If you suspect gas leaks or electrical hazards, shut off utilities if safe to do so.
  • Save all receipts for emergency repairs or services as these might be reimbursed by your insurer.

Is Tree Damage Covered by Homeowners Insurance?

Understanding your insurance policy’s coverage will help you avoid surprises.

Most Standard Policies Cover Tree Damage

  • Damage caused by a fallen tree to your house or other structures like a garage or shed is typically covered.
  • This usually includes:
    • Structural repairs to your roof, walls, and foundation
    • Interior damage such as water leaks caused by a broken roof
    • Tree removal costs often limited to $500–$1,000
    • Additional living expenses if your home becomes unlivable during repairs.

What’s Typically NOT Covered

  • If the tree falls but doesn’t cause any actual damage to insured structures, removal costs might not be covered.
  • Damage caused by tree rot or neglect—insurance usually doesn’t pay if you didn’t maintain the tree.
  • If the tree fell due to natural aging without a storm or other covered peril, your claim may be denied.

Policy Limits and Deductibles

  • Removal cost coverage is often capped. Check your policy—many have a maximum removal payout.
  • Deductibles generally range from $500 to $2,000 or more, depending on your plan.

However, coverage for fallen tree branches can vary from state to state.

How to File an Insurance Claim for Tree Damage

Knowing the process can make this stressful time easier.

Step-by-Step Claim Guide

  1. Contact your insurance company immediately to report the incident.
  2. Submit photos and videos along with your initial claim.
  3. Schedule an appointment with an adjuster who will inspect the damage.
  4. Get repair estimates from licensed contractors to provide to your insurer.
  5. Keep track of all communication, receipts, and paperwork related to the claim.

Tips for a Smooth Claim Process

  • Be honest and detailed about the damage and how it happened.
  • Read your policy carefully to understand what’s covered and ask your agent for clarifications.
  • Ask if emergency expenses (like temporary repairs) are reimbursable.
  • Follow up regularly if the claim process slows down.

Tree Removal — What’s Covered and What’s Not?

Covered Scenarios:

  • Tree removal costs are usually covered if the tree:
    • Falls on your home or any insured structure
    • Blocks your driveway or another access way.

Not Covered Scenarios:

  • Trees that fall in your yard but don’t damage structures usually aren’t covered.
  • Preventative tree removal (removing trees before they fall) is not covered.
  • Cleanup costs exceeding your policy’s cap may be out-of-pocket.

Cost Breakdown

  • Tree removal costs vary widely, from $400 to $2,000+.
  • Factors include tree size, location, difficulty of removal, and emergency timing (weekend/holiday calls tend to cost more).

How to Hire the Right Tree Removal Service After Storm Damage

Once your insurance company gives the green light, you’ll need to remove the tree. But not all tree services are created equal—especially in an emergency. Here’s how to choose wisely and avoid scams.

Look for Licensed and Insured Companies

Always verify that the tree removal service is licensed, bonded, and insured. This protects you in case a worker is injured on your property or additional damage occurs during removal.

Avoid “Storm Chasers”

Be cautious of contractors who show up unsolicited after a storm. These “storm chasers” often pressure homeowners into quick decisions and may do subpar work—or worse, take your deposit and disappear.

Get Multiple Quotes 

If time allows, compare at least two or three written estimates. Ask for detailed breakdowns of services, including:

  • Cost of cutting and hauling away the tree
  • Stump grinding or root removal
  • Equipment usage fees (e.g., cranes or lifts)
  • Emergency surcharges (if applicable).

Ask About Insurance Documentation

Before work begins, ask for proof of the company’s liability insurance and worker’s compensation coverage. This ensures you won’t be held responsible for accidents.

Check Reviews and References

A quick online search can reveal customer reviews. You can also ask the contractor for references from recent jobs, especially those involving storm-related removals.

Understand What Your Insurance Covers

Your policy likely has a cap for tree removal costs—often between $500 and $1,000. If removal costs exceed that, you’ll pay the difference out-of-pocket. Confirm with your insurer before authorizing the work.

Watch Out for Hidden Costs

Tree removal can include disposal fees, equipment surcharges, or charges for multiple visits. Ask upfront whether the quote includes everything or if “extras” might be added later.

Who Pays If a Neighbor’s Tree Falls on Your House?

Your Insurance Pays First

Your homeowners insurance generally covers your damages first, regardless of whose tree fell.

Proving Neighbor Negligence

If the tree fell because your neighbor neglected a dangerous tree—say, a dead or rotting tree they ignored despite warnings—you may be able to seek reimbursement from their insurance.

Document Everything

  • Keep records of prior complaints or notices you’ve sent your neighbor.
  • Always send certified letters regarding dangerous trees to create a paper trail.

What Happens If a Tree Damages Your Car or Other Personal Property?

While most homeowners focus on the house itself, a fallen tree can damage more than just your roof. What if it crashes your car, fence, patio furniture, or even a garden shed?

Cars Damaged by a Fallen Tree

If a tree lands on your vehicle, your homeowner’s insurance won’t cover it—but your auto insurance might. Specifically, you need comprehensive coverage under your auto policy. This type of insurance typically pays for:

  • Vehicle repair or replacement
  • Towing costs
  • Rental car expenses, depending on your policy.

If the fallen tree was from a neighbor’s yard, the same negligence rules apply: you’ll need to prove the neighbor ignored a known hazard in order to file against their liability insurance.

Personal Property Outside the Home

Items like grills, playsets, outdoor furniture, or garden equipment may be covered by your homeowners insurance—if the tree fell due to a covered peril like a storm. Keep in mind:

  • Coverage limits for outdoor items are usually lower than for interior belongings
  • Deductibles still apply
  • You’ll need proof the damage was caused by the tree (so take photos!)

Detached Structures

Sheds, fences, and detached garages usually fall under the “other structures” portion of your homeowners policy. These structures are often covered at a percentage of your total dwelling coverage—typically 10%. For example, if your dwelling coverage is $300,000, your detached structures may be covered up to $30,000.

Tip: If you use a shed or garage to store high-value tools or business equipment, ask your agent whether an endorsement or additional rider is needed for full protection.

Situations That May Complicate Coverage

Tree Falls on Multiple Properties

If a tree damages multiple homes, claims may become more complex and involve multiple insurers.

Power Lines and Utilities

Damage to power lines usually isn’t covered by homeowners insurance but by the utility company.

Vacant or Rental Properties

Coverage might differ if the home is vacant or rented out. Make sure your policy reflects this status.

Preventing Tree Damage — What Property Owners Can Do

Routine Tree Maintenance

  • Regularly prune large branches that hang over your house.
  • Remove dead or leaning trees before they become hazards.
  • Hire a certified arborist to inspect trees annually.

Understand Risk Factors

  • Soil erosion, tree diseases, and proximity to your home all increase risk.

Talk to Your Insurance Agent

  • Ask about tree-related discounts, coverage exclusions, or additional riders that may protect your property better.

Long-Term Considerations for Property Owners

Should You Increase Coverage After a Major Storm?

If a recent storm caused damage, it’s smart to:

  • Review your homeowner’s insurance limits.
  • Consider add-ons for windstorm or flooding, if applicable in your area.

Keep an Updated Home Inventory

  • Make sure you document valuable belongings, especially in attics or garages, to help with any future claims.

(Frequently Asked Questions (FAQs)

Does homeowners insurance cover tree removal?

Yes, if the tree causes damage to covered structures. If the tree just falls in the yard, removal costs usually aren’t covered.

Should I call 911 if a tree falls on my house?

Yes, especially if there are injuries, downed power lines, or fire hazards.

What if the tree was on my neighbor’s property?

Your insurance generally covers your damage first. You may pursue neighbor liability if negligence is proven.

Does insurance cover hotel costs if my home is unlivable?

If your policy includes “loss of use” coverage, yes.

How long do I have to file a claim?

Most insurers recommend filing within 30 days, but sooner is better.

Don’t Guess — Know What Your Insurance Covers

If a tree falls on your house, having a clear action plan and understanding your coverage can reduce stress and protect your wallet. Talk to your insurance agent today to review your homeowner’s policy, ask questions about tree damage coverage, and get peace of mind.

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Need help filing a claim? Our team can guide you step-by-step.