What To Do if a Tree Fell on Your Roof

Larry Walty II • October 13, 2021

What should you do if a tree fell on your roof? The first thing you should do is check for injuries and see if the tree damaged any power lines. Immediately call for an ambulance if anyone was hurt and contact your electrical company if any power lines or transformers were damaged. (Flickering lights and power outages are signs that power lines were damaged.) 

The next thing to do would be to contact one of your local residential and  commercial roofing contractors. While waiting for your contractors to arrive, here are the things you should do: 

  1. Take Photos of the Damage to Your Roof 

Once it’s safe to go outside, take photos or videos of the damage to your exterior. You’ll need these later on when you submit an insurance claim. 

  1. Don’t Attempt to Remove the Tree or Fix Any Leaks 

Do not attempt to remove the tree or fix any damage, no matter how minor this might seem. Aside from the fact that removing a tree from a structurally unsound roof is dangerous, unauthorized repairs may lower your insurance payout. Remember: it’s best to let professional contractors handle  roof repair  work.  

  1. Call Your Insurance Agent About the Insurance Claims Filing Process 

Contact your insurance agent or insurer about the steps for filing an insurance claim. Depending on your insurer, you might be asked to gather estimates from roofers or the insurer might send a claims adjuster who will assess the extent of the damage to your exterior. 

Important note: in most cases, roof damage caused by trees that fell down is covered by insurers, except in cases where outright neglect is the main reason why your roof was damaged. That’s why if you see any diseased or damaged branches, you should trim them immediately. 

Having trouble filing an insurance claim? Larry Walty Roofing offers residential and  commercial roof repair  as well as insurance claims processing assistance services. To get a free estimate, call us at 662-488-5149 or fill out this  form. We serve homeowners in Andover as well as the surrounding KS communities. 

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