What To Do If A Tree Falls In Your Yard

4/21/2021 (Permalink)

As time passes and weather wears away at trees, trees eventually die and fall. Sometimes, a strong storm and wind expedite the process. However, you’re generally not notified in advance when a tree falls in your yard, so we’ve gathered a list of actions you should take if a tree falls in your yard. 

1) Think about safety first.

Are you inside a building that the tree fell on? Where is the tree in relation to you and your family? Is the tree at risk of falling even further and causing more damage? If the tree has come in contact with any part of your home or fallen through your roof, you should get everyone outside of your home as soon as possible. Take note of any wires that your tree has knocked down or is now touching as they may pose a fire hazard. Any injuries or structural damage should elicit a call to 911 for the fire department to come and help you out. 

2) Assess the damage. 

Did the tree hit any existing structures? What kind of damage did it cause? Take photos of the damage for insurance purposes later and stay a safe distance from the tree if it’s at risk of moving even more during a storm, etc. Figuring out what exactly has been damaged and how is an important step in the process of what to do after a tree falls in your yard.

3) Determine whose tree fell.

Did your tree fall in your yard? Or is it your neighbor’s tree? Even if a neighbor’s tree fell on your home or into your yard, it’s typically your homeowner’s policy that covers the damage. This might seem a bit backward, but it’s the way most policies work. However, you should take note of whose tree it is and double-check with your insurance policy and coverage to see what applies and if the tree falls into any of the exclusions. 

4) Call the insurance company.

After determining whose tree fell and assessing the damage, give your homeowners’ insurance company a call. Describe the situation and provide them with photographic evidence of the damage. They’ll be able to tell you the next steps to take and what you should do next.

5) Arrange for tree removal. 

Once you’ve gotten in contact with your insurance company and you know what is covered under your policy, it’s time to arrange for tree removal. Your insurance company may provide you with a list of disaster restoration specialists that they work with, but it may be smart to come to them with a name in mind to see if that will be covered under your policy. SERVPRO of Aurora is a great disaster restoration company that can take care of tree removal, structural restoration, and more in the aftermath of storms, incidents, and other disasters.