Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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Tree Fell on House During Storm Home Insurance Coverage

If a tree falls onto your roof during a storm, your homeowners insurance policy will cover the loss.

You should consider other losses resulting from this event when filling out the documentation from your insurance company to make a claim to make sure you are compensated in a fair manner for your loss.

How to deal with the resulting damage to the roof, the removal of the tree, filing a claim and getting estimates for repairs are the 4 steps you will need to take after a tree falls on your roof (also, click here to learn what home insurance covers if your neighbor’s tree falls on your roof).

Read on to learn these 4 steps and then enter your zip above to compare free homeowners insurance quotes!

Damage to Roof

The cost of repairs to your roof will be looked after by your insurance company. You should contact the insurance company right away to report the loss. While you are waiting for an adjuster to arrive to assess the damage, go ahead and do whatever is reasonable under the circumstances to secure your home and to avoid further damage following the first incident.

Many insurance providers have a 24 hour claims hotline, and don’t hesitate to pick up the phone at any time of the day or night to let the company know what has happened. If the damage is severe enough that you need to leave your home to keep yourself and your family safe, let the insurance company representative know this. You may have coverage that will reimburse you for reasonable costs for meals and accommodation until you can move back in again.

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Tree Removal

Removing the tree is a separate matter. Your homeowners insurance plan will cover the cost of removing the tree and disposing of it off the property. The policy will pay out up to a set limit for this service, and you would be responsible for any extra costs incurred.

If some or part of the tree falls down and blocks or limits access to your property, you may be covered for the cost of removing it. Any damage caused to your lawn, other trees or existing plants will probably not be covered, since the loss can be traced to wind damage, as opposed to damage caused by a fire or an act of vandalism.

You can ask your insurance company what is covered under the policy, or you can make a claim for all the damage you incurred and let the insurer get back to you with a decision. Since insurance policy language can be difficult to interpret for a lay person, you may be better off submitting any information you feel is relevant to your claim to the insurance company and then discussing the settlement later.

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Filing a Claim for Storm Damage

If you suffer a storm-related loss and you need to file a claim with your home insurance company, get the process started as soon as possible after the event. The insurance company will want to send an adjuster out to your property to conduct an inspection, but you should also keep a record of the damage by taking pictures and/or videotaping the relevant area of your home.

You can also keep a written record of everything you observe including the date and time you first notice the damage. The insurance company will also want to know what measures you took to secure your home and minimize the damage it incurred. Write down everything you remember about the incident and keep adding to your list. You may forget some steps or lose track of the timeline involved if you don’t do so.

Get Estimates for Repairs

The next step in the process is to get estimates for the repair costs. Contact a couple of contractors and ask them to come to your home to inspect the damage and give you a written estimate. Taking this step yourself may help to get your claim pushed through faster, since the insurance company doesn’t have to make these arrangements. As a homeowner, you may feel better dealing with the contractor of your choice as well.

Once you receive the estimates, you can submit your pictures and/or video record, along with copies of the estimates, to the insurance company. You may want to contact the insurer to confirm that you have the correct mailing address and to ask whether your claim documentation should be sent to a specific person in the claims department for processing. To ensure that the company receives the records, you can choose to send this information by courier or using registered mail. That way, you have proof of delivery.

Having a tree fall on your roof during a storm and dealing with the company holding your homeowners policy can be stressful. If you aren’t happy with the level of service you are getting from your insurer, it may be time to move on. Click on the free insurance tool on this page to get quotes for coverage from several insurance providers to see if you can get better rates from another provider.