What To Do If a Tree Damages Your Roof?

November 12, 2020by Bob The Builder

The US is full of character, and many properties have a garden to the front and rear of the building, adding natural beauty and a place to relax outdoors. While this is a nice addition to any home, trees within close proximity to your property could cause a future problem. Whether you have a modern new-build home, a beach house, or a lodge in the countryside, if your property has been built close to a tree, forest, or your neighbors decide to plant trees in their gardens close to your home, your property may be at risk of fallen trees and storm damage.

From branches breaking your windows to tree trunks damaging your roof, this is a major concern financially for any homeowner. Still, it can also be pretty scary too, especially if you have a young family at home. In this article, we’re going to explain exactly what to do if a fallen tree damages your home, how to repair roof damage, and how to protect your property from storm damage in the future. When choosing a roofing contractor make sure you do your homework by asking friends and checking online reviews for a good standing local company.

What To Do If a Tree Damages Your Roof

Protect Your Property From A Fallen Tree

Many homeowners across the US brace themselves for flood damage and fallen trees when a storm is coming. From earthquakes to hurricanes, nature can play havoc with your property. Sandbags are often used to keep water away from a property, but what can you do to protect your home from fallen branches and trees?

Here are some simple steps you can do right now to protect your property from a fallen tree and an upcoming storm.

  • Check trees within your garden or close to your home for tree rot. A weak tree trunk can be a clear sign that a tree might fall during a storm. Should you notice tree rot, contact a tree surgeon to remove the damaged tree from your home. Signs of tree rot include dead branches, decay, leaf discoloration, trees leaning to one side and deep cracks or holes in tree bark.


  • Make sure your home insurance includes storm damage. If your home is within proximity to trees, you may need to let your home insurance provider know, as this will put your home at a greater risk. Failing to do this may deem your home insurance as invalid should you try to claim for a fallen tree


  • Put together a first aid kit and an evacuation bag with any essentials you and your family will need should a fallen tree force you to immediately leave your home. This should include clothes, a shower kit, toothbrush and toothpaste, car keys, copies of important documents, warm clothing and coats, and snacks and water. You should also pack money and a torch if you need to leave in a hurry during the night. A fallen tree can also damage electrics in your property, so you might have to leave in the dark.


Find The The Right Insurance Company

Here’s what to do if a fallen tree damages your roof or any other part of your home, as long as you have the right home insurance in place.

    1. Take photos of the damage and decide whether it is safe to stay or you should leave the property. However, never attempt to climb onto the roof or up a ladder during a storm or night. If the fallen tree may have been struck by lightning during a storm, it is better to leave the property and deal with the problem the following day to protect yourself and your family
    2. Call 911 to report the incident so that they are aware of the problem and can decide whether the damage requires your neighbors to leave their homes too if power lines are down. Common occurrence from high winds during a storm
    3. After calling the emergency services, it’s time to call your insurance company and reference your homeowner’s insurance policy. You should report in detail the damage caused by the fallen tree and see if they can estimate the cost of removing the fallen tree on your property or the impact the fallen tree has had on your home. A fallen tree can be a fire risk especially if it has damaged your property’s electrics or fallen on electric lines around your property.
    4. If you do decide to evacuate the property, your insurance cover may include evacuation expenses, discuss the next steps with your insurance provider, or at least keep any receipts relating to the emergency accommodation you’ve paid for.
    5. If possible, take photographs of the fallen tree and the damage to your home the next day, if it is safe to do so. These images can be sent to your home insurance provider who can access the impact and let you know what to do next, in terms of roof damage repair. Make sure to discuss what your insurance policy includes such as; fallen tree removal, roof damage repair, temporary accommodation, and an electrician or plumber if your electricity and plumbing has been affected. If you are unable to attend work, you should also find out whether your loss of income will be covered by your home insurance policy or not. This information will help you decide your next steps and understand how much you will need to pay to repair the damage, and what your policy will cover.

damage from a fallen tree on your roof

Repairing Roof Damage from a fallen tree

It is never a good idea to attempt to repair or fix a roof without the help, support, and guidance of an expert and professional team. Climbing onto a damaged roof can lead to injury, as tiles may be wet and slippery and the fallen tree could move and cause additional damage or put your life at risk. In these situations, it’s important to contact a roof damage repair company who will be able to visit the property, conduct an assessment, liaise with your home insurance company, if needs be, and carry out necessary repair work safely.

If the fallen tree has caused significant damage, it might first be necessary to strengthen and secure the building’s structure to prevent further damage. Next, the fallen tree will need to be carefully removed. After this, a roof damage repair team will be able to start repairing or replacing damaged tiles and beams.

Repairing Roof Damage from a fallen tree

Don’t DIY Roof Repair – Find a Local Roofing Company

If you know that your home is at risk of storm damage and fallen trees, it’s worth getting in touch with a reliable roofing company, in case you need to make an emergency call out in the future. Rather than wait for a fallen tree to turn your life upside down and lead you to call the first company you find to repair a damaged roof, do your homework beforehand to find a company that has built up a good reputation as professionals and industry experts. Having a company in mind will be greatly beneficial in a home emergency and will be one less thing to worry about.