Tree Damage Claims
A fallen tree can damage a home, a fence, and a yard in seconds. We document the damage and the removal costs your policy may cover.
What We Look For
A fallen tree causes damage in layers. We document each one.
Impact damage
Roof, siding, and structure struck by a tree or limb.
Roof openings
Holes and punctures that let rain in.
Water intrusion
Rain that entered through the damage.
Tree removal
Removal of a tree that fell on a covered structure, which many policies limit.
Fences and outbuildings
Fences, sheds, and detached structures hit by a tree.
Vehicles
Vehicle damage, which is often covered by an auto policy instead.
Interior and contents
Interior damage and contents affected by the impact.
Debris limits
Debris removal limits, and whether the tree hit a covered structure.
What To Do Right Now
You are dealing with a lot. These steps protect your safety and your claim.
Stay clear. Stay away from the tree, downed power lines, and damaged areas.
Photograph before removal. Take photos and video of the tree and the damage before it is moved, where it is safe.
Report the loss. Tell your insurer and write down your claim number.
Make temporary repairs. Cover openings if you can do it safely, and keep the receipts.
Save every receipt. Removal, tarps, and temporary repairs may be covered.
Call us before you accept an offer. A free claim review takes about two minutes to start, and there is no cost to review your claim.
Tree Claim Questions
Does Insurance Cover A Fallen Tree?
Many policies cover damage to a covered structure, and some help with removal. Limits vary, so we read yours with you.
Who Is Responsible If A Neighbor's Tree Falls On My House?
Your own policy is often where the claim starts, but the facts can matter. We review it with you.
What If The Tree Fell But Hit Nothing?
Many policies do not cover removal of a tree that damaged nothing covered. Check your limits.
Can I Hire You If My Claim Is Already Open?
Often, yes. Bring your policy, your claim file, and any carrier letters, and we will review where things stand.
How Long Does A Tree Damage Claim Take?
It depends on the size of the loss and how the insurer responds. We explain the likely timeline in your free claim review.
Other Claims We Handle
Storm Damage
Lightning, rain intrusion, and broad damage from severe storms.
Learn More about Storm Damage
Wind Damage
Lifted shingles, torn siding, and wind-driven rain damage.
Learn More about Wind Damage
Roof Damage
Roof repair and replacement disputes, from leaks to full replacement.
Learn More about Roof Damage