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Tree Falls on House: What to Do Right After It Happens

Last updated October 25, 2026

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The short answer

Safety First

Your immediate priority is the safety of everyone in the house. If a tree has fallen, there may be structural damage, broken glass, or exposed wiring. Get everyone out through the safest exit and move to a location away from the tree and the house.

Do not go back inside until a building inspector, arborist, or other qualified professional has checked the structure. If you see downed power lines, stay far away and report them to the utility company. If you smell gas, leave the area and call the gas company from a safe distance. See a doctor if anyone feels unwell from stress or injury.

Document the Damage

Once you are safe, document the scene. Take clear photos of the tree, where it hit the roof, and any visible damage to walls, ceilings, or windows. Also photograph the surrounding area, including any broken branches or debris. This helps your insurance company understand the situation.

Write down the date and time of the incident, and note any weather conditions if relevant. Keep a list of any personal items that were damaged. Do not move the tree or attempt any repairs until you have reported the damage to your insurer.

  • Take photos of the tree and roof from multiple angles
  • Capture close-ups of any cracks, holes, or water stains
  • Photograph the interior, especially ceilings and walls
  • Note the date and time of the event
  • Keep receipts for any emergency supplies you buy

Contact Your Insurance Company

Call your insurance company as soon as you can. Report the tree damage and ask about your coverage for structural repairs and water damage. They will likely send an adjuster to assess the loss. Be ready to share your photos and notes.

Policies vary, and your insurer decides what is covered. Ask about deductibles and what documentation they need. Do not assume the tree removal is covered; it depends on your policy. You may need to get separate estimates for tree removal and home repairs.

Prevent Further Water Damage

A fallen tree often breaks through the roof, letting rain and wind into your home. If you can do so safely, cover any holes with a tarp or plywood to keep water out. This is a temporary measure until professional repairs can be made.

If water has already entered your home, move furniture and belongings to a dry area if possible. Turn off the water supply if pipes are damaged. If you live in Baytown, keep your shutoff valve location written down for emergencies. Do not enter standing water if there is any chance of electrical hazards.

Call in Water Damage Pros

Once the immediate danger is over, get help with water damage. The pros can extract standing water, dry out wet materials, and assess what needs to be removed. They can also help with structural drying to prevent mold growth.

Water damage can worsen quickly, so act fast. The pros use specialized equipment to dry walls, floors, and subfloors. They can also identify hidden moisture with moisture mapping. This helps you understand the full scope of the damage before repairs begin.

  • Extract standing water from floors and carpets
  • Set up dehumidifiers and air movers for structural drying
  • Remove wet drywall, insulation, and flooring as needed
  • Map moisture levels to find hidden water pockets
  • Inspect subflooring for damage and potential leaks

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Frequently asked questions

Should I try to remove the tree myself?

No, do not attempt to remove a tree that has fallen on your house. The tree may be under tension and can shift unexpectedly, causing more damage or injury. Professional tree removal services have the equipment and training to handle this safely. Wait until a professional assesses the situation.

What if the tree is still leaning on the house?

If the tree is still leaning, treat it as unstable. Keep everyone away from the area and do not go near the tree. Contact a tree service or arborist immediately. They can secure the tree and remove it safely. Your insurance company may need to document the scene first.

How long do I have to file a claim?

Most insurance policies require you to report damage promptly, but deadlines vary. Contact your insurer as soon as possible to start the claims process. Delaying could affect your coverage. Check your policy documents or ask your agent about specific time limits for filing a claim.

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