What to Do if a Tree Falls on Your Home

It’s a situation no homeowner wants to imagine—but what if a tree crashes into your house? The shock and stress of such a sudden incident can be overwhelming. In moments like this, knowing how to respond can make all the difference when it comes to protecting your family and limiting the damage.

This guide will help you take smart, decisive action in the aftermath. From ensuring safety to documenting the damage, dealing with insurance, and hiring the right professionals—we’ll walk you through it all. By the end, you’ll have a clear understanding of how to navigate this unexpected emergency with confidence.

Step 1: Put Safety First

If a tree strikes your home, your top priority is getting everyone out safely. Leave the house immediately—grab pets and family members and move to a secure location. A neighbor’s home or your car might be the safest temporary option.

If you suspect live wires are down or the structure is unstable, call 911. Emergency crews can assess hazards like gas leaks, exposed wiring, or the risk of collapse. Avoid re-entering the house until first responders or qualified professionals say it’s safe.

If possible, and only if conditions are stable, turn off your main utilities—cutting power and gas can prevent fires, leaks, or further damage.

Step 2: Evaluate the Damage

Once it’s safe, take stock of what’s happened. Use your phone to capture photos and videos of all affected areas—these will be vital for your insurance claim.

Check for serious damage to the roof, walls, or foundation. Look out for visible cracks, bent framing, and any sign the structure has shifted. Even if things seem okay on the surface, unseen damage could exist—especially to electrical systems or plumbing.

Hiring a structural engineer for a full inspection is highly recommended. Insurance companies often rely on their evaluations to determine the extent of the damage and necessary repairs.

Step 3: Call Your Insurance Provider

After documenting the damage, reach out to your insurance company as soon as possible. Most homeowners policies cover damage caused by falling trees.

Your insurer will assign a claim number and send an adjuster to inspect your property. Make yourself available during their visit and walk them through all the areas affected. The more thorough your documentation and communication, the smoother the claims process will be.

Remember—you have the right to choose your own contractor, even if your insurer suggests someone.

Step 4: Bring in the Experts

Dealing with storm damage requires a team of specialists. You’ll likely need:

• Tree removal pros to safely cut and haul away the tree without causing additional harm. Here at Sousa Roofing we can manage other contractors if needed as we are a fully licensed General Contractor.

• Sousa Roofing who specialize in storm response and can secure your home from further exposure while helping with repair plans and insurance paperwork.

• Structural engineers to identify hidden damage and ensure your home is structurally sound before any rebuilding begins.

  
  

Make sure you work with licensed, insured professionals who are experienced in emergency repairs.

Need Help? Call Sousa Roofing

Whether you're facing emergency tree damage or planning a full roof replacement, Sousa Roofing is ready to help. Reach out today for a no-obligation roofing estimate and let us restore your peace of mind.

Call Sousa Roofing today at 508-297-ROOF to get a Free, No Obligation Quote to replace your roof, siding or windows.