We all know that in life, there are no guarantees. And for many homeowners, that is especially true when it comes to Mother Nature and her wrath. While you may do everything possible to protect your home from inclement weather, there are no guarantees that a tree won’t fall on your house during a storm. So what should you do if it happens? Here are steps to help you through the process.

1. Safety First

Ensure that everyone in your household is safe and accounted for before doing anything else. If the tree has caused structural damage to your home, it is essential to evacuate the premises and call 911 to report a tree that fell on your house.

2. Contact Your Insurance Company

Your homeowners’ insurance policy will likely cover damage caused by a falling tree. Once you have ensured everyone’s safety, the next step is to contact your insurance company and begin the claims process. They will send an adjuster to assess the damage on your house and determine the extent of your coverage and what steps need to be taken next.

3. Assess the Damage

After you have contacted your insurance company and ensured everyone’s safety, you can begin assessing the damage. If the tree has caused significant damage to your house, it is essential to contact a professional contractor to make repairs. They contractors will be able to assess the damage and determine the best course of action for repairs.

Once the adjuster arrives, they will also assess where the tree fell and be able to tell you whether or not your insurance policy covers the damage. If it is, they will work with you to get the repairs started. If it is not, you will need to arrange to have the repairs done independently. It is crucial to ensure that any temporary repairs are done correctly to prevent further damage.

4. Start the Clean-up Process

If the tree has not caused any structural damage to your home, you can begin the clean-up process yourself. However, if there is significant damage, it is best to leave it to the professionals. Your insurance company should be able to recommend a reputable tree removal service.

5. Get the Repairs Done

Once the insurance company has approved the repairs, it is time to get them done. If you are doing the repairs yourself, follow all instructions carefully to avoid further damage. If you are hiring a contractor, be sure to get references and reviews to ensure that you are getting quality work.

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6. Prevent Future Damage

After a tree has fallen on your house, it is essential to take steps to prevent future damage. It may involve trimming trees around your property or installing windbreaks. Your insurance company should be able to provide you with more information on how to protect your home from future damage best. By taking these steps, you can help to protect your home from future damage caused by falling trees.


Trees are an essential part of our environment, but they can also pose a severe threat to our homes. Taking steps to protect your home from falling trees is essential, but it’s also important to know what to do if a tree does fall on your house. By following these steps, you can help to ensure that everyone is safe and that the damage is minimized.