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A Comprehensive Guide

What To Do When A Tree Falls On Your Roof

As autumn approaches in Indiana, the weather becomes more unpredictable, often bringing strong winds, hail, and lightning. This season also presents a unique set of challenges for homeowners, including the increased risk of trees falling on your property. While we hope you never have to deal with a tree falling on your home, it’s essential to be prepared. Taking a moment to assess your surroundings, including branches hanging over your roof and the health of nearby trees, can make a significant difference in minimizing damage and ensuring your safety. In this guide, we will outline the steps to take if a tree or branch falls on your roof during the autumn season.


A Seasonal Assessment

Before delving into the steps to take when a tree falls on your roof, let’s focus on autumn preparedness and proactive measures you can take to reduce the risk:

  • Inspect Your Trees: Take a moment to inspect the trees around your property, especially those close to your home. Look for signs of weakness, disease, or decay. Large, unhealthy trees pose a higher risk of falling during storms.
  • Trim Overhanging Branches: If you have branches hanging over your roof, consider having them trimmed before autumn storms arrive. These branches can become hazardous when heavy winds or ice accumulate.


Prioritize Safety

Regardless of the season, your safety and the safety of your family should always come first when a tree falls on your roof. Here’s what to do:

  • Have an Evacuation Plan: Ensure you have an evacuation plan in place that all household members are aware of. Practice the plan with your family before an emergency occurs to ensure a swift and safe exit from your home.
  • Emergency Supplies: Prepare an emergency kit that includes copies of essential documents, cash, car keys, medications, and other indispensable items. Having these supplies readily accessible can ensure a swift evacuation if needed.

  • Do NOT Investigate: Avoid attempting to investigate the scene or climb onto the roof to assess the damage. A fallen tree or branch can cause structural damage and create hazardous conditions. Leave the inspection to the professionals.

3. CALL 911:

Seek Immediate Assistance

Regardless of the size of the fallen tree or branch, it’s essential not to handle the situation on your own. Follow these steps:

  • Evacuate First: Ensure that you and your family have evacuated to a safe location before making any calls.
  • Contact Emergency Services: Dial 911 to report the incident and explain the situation. Emergency services will guide you on the necessary actions to take. They may dispatch a fire crew or a public utility representative to assess safety, including checking for fire hazards and electrical issues, as well as inspecting power lines and connections.


Initiate the Claim Process

Most homeowners’ or umbrella insurance policies provide coverage for damage caused by storm debris, including the cost of removing the fallen tree. Here’s what to do next:

  • Report the Damage: Contact your insurance company as soon as possible to report the damage. They will provide guidance on the claims process and may recommend or send a roofing professional to temporarily cover any exposed areas or board up broken windows to prevent further water damage.
  • Document the Damage: Take photographs of the damage as soon as it’s safe to do so. Capture multiple angles of your home to provide a comprehensive visual record. These photos will be valuable when discussing your claim with the insurance company, as many insurers allow you to upload them online for a prompt evaluation.


Protect Your Property

Depending on the extent of the damage caused by the fallen tree, it may not be safe or feasible to remain in your home. Follow these steps to secure your property:

  • Lock Doors and Windows: Ensure that all doors and windows are locked to prevent unauthorized access.
  • Secure Valuables: Safeguard valuable items to the best of your ability. Your and your family’s safety should be the top priority, but if possible, take steps to protect your possessions.
what to do when a tree falls on your roof

Trust the Professionals

In times of distress, having a trusted roofing contractor like Clayton Hoover & Sons in mind can make a significant difference. Acting without a plan can lead to hasty decisions and potentially working with unreliable contractors. Be prepared by following these steps:

  • Research Roofing Contractors: Before an emergency occurs, research and identify reputable roofing contractors like Clayton Hoover & Sons. Having a trusted contractor in mind can save you time and stress during a crisis.
  • Contact Clayton Hoover & Sons: If you require emergency roofing repairs, don’t hesitate to reach out to us. We have the expertise and experience to handle such situations promptly and professionally. Visit for more information.

Knowing what to do when a tree falls on your roof during the autumn season is essential for your safety and the well-being of your property. Follow these steps to ensure a swift and effective response in the event of such an emergency. Preparedness can make a significant difference in minimizing damage and helping you get your life back on track during this beautiful but challenging season.