Storms can bring strong winds, heavy rain, and lighting. All of these can cause a tree of any size to fall on your house. We hope no one has to deal with a fallen tree on their roof, but this is the type of disaster that’s hard to prepare for. It is best to know what to do ahead of time so you can take care of the problem as quickly as possible.
Acting quickly can potentially save your family and potentially protect your home from significant damage. If a tree falls on your roof after evacuating everyone from the house, follow these steps to resolve the issue quickly.
Call a Professional
Even if the fallen tree or branch seems small and easy to handle, you should never attempt to deal with the issue by yourself. A tree or branch landing on your roof can also compromise its structural integrity and increase the danger that it may collapse. For that reason, it is important that the tree is removed safely and correctly. Call a professional, and they will advise you further. They may send out a fire crew or public utility representative to ensure your home is safe. The crew will make sure there is no danger of fire or electrical problems and check on power lines and connections.
Contact your Insurance Company
Most insurance policies will cover structural damage caused by storm debris, including the cost of removing the tree that has fallen on your structure. However, your recovery could be affected if the damage is seen as a result of negligence on the homeowner’s part. If a healthy tree on your property is knocked down during a storm, your insurance company will likely cover some or all of the cost if it hits a structure. If an old, rotten tree falls, your recovery may be reduced if you had prior knowledge of the potentially hazardous situation. In this case, your insurance company may say that the damage could have been prevented.
If the tree hits the house, garage, barn, fence, deck, etc. it more than likely will be covered. If the tree does not hit anything and just falls in your yard, generally there is no coverage for that situation.
For Minor Damage Call a Trusted Roofing Contractor
If a fallen tree results in minor roof damage, we recommend that you have a reliable roofing contractor in mind. That way, if minor damage does happen, you aren’t wasting your time researching companies when you should be on the phone with a contractor. You may end up going with the first company you find, and you could end up regretting working with them. Choose a company with a distinguished reputation.
For Structural Damage Call Hays + Sons
If a fallen tree results in major structural damage to your home, give us a call right away so we can handle this situation for you. If you ever go through the unfortunate experience of a tree falling on your roof and causing major damage, you need to have it taken care of immediately. If you wait too long to deal with the issue, you may experience more damage to your home and belongings. If you have any restoration needs due to a fallen tree, don’t hesitate to give us a call. You can trust us to get the job done right and quickly.