Fallen Tree Damage: 5 Steps to Take When a Tree Damages Your Property
The damages done to your property by a fallen tree may be covered by insurance.
You are very fortunate if a fallen tree has never damaged your home. The sound of a tree crashing onto your property is terrifying, and the aftermath can be even scarier. Fallen trees often result in damage to homes, cars, fences, and other structures on your property.
The following blog post will go over when insurance covers fallen tree damage to a property and the steps to take when a tree has damaged your home.
Recent fallen tree damage project
Those that live in close proximity to Dayton, Ohio, know how prone our homes are to tornado damage and wind damage. Every time high wind speeds pass through the Dayton area, our SERVPRO professionals receive numerous calls regarding exterior damages.
The most recent wind storm occurred in April and left one homeowner with serious damage after a fallen tree crashed into their roof and left a hole in their family room ceiling.
When we arrived at the damaged home, we evaluated the damages done and began to design a plan to remove the tree and protect the home from further damages. Fortunately, it was not raining when the tree fell, so water damage restoration services were unnecessary.
Within a few hours, our professionals removed the tree from the roof, and we used a secure tarp to cover the hole in the roof. Then the homeowner submitted a claim to their insurance company, who said they would cover the fallen tree damages done to the home.
In the end, the homeowner received a brand new roof and was delighted with our services, and let us know that they would be using us for future home restoration services.
When is fallen tree damage covered?
Fallen tree damage will be covered by an insurance carrier when covered perils are damaged by wind. Covered perils include damages including your home or other structures such as a shed or a fence.
Suppose a fallen tree damaged the property due to negligence on behalf of the homeowner. In that case, the homeowner will be held liable for the damages, and an insurance carrier will likely not cover the damages.
5 Steps for fallen tree damage
When it comes time to clean up after a fallen tree has damaged your property, there are five steps you should take:
Step 1: Evacuate everyone from the property. After a fallen tree damages your home, you will want to ensure that everyone that resides in the home is safe.
Step 2: Document the damages done to the property. Before any work is done, you will want to document all damages to the property for insurance purposes. You should take pictures and videos and create a list of any personal belongings that were damaged.
Step 3: Contact a local restoration contractor. Local restoration contractors like those at SERVPRO of East Dayton/Beavercreek will mitigate fallen tree damage quickly and professionally.
Step 4: Contact your homeowner's insurance provider. The sooner that you contact your homeowner's insurance provider, the quicker the repairs will occur.
Step 5: Ensure your property is secure from further damages. The damages done to your property should be covered by a roof tarp to ensure no water or pests make their way into your property.
Fallen tree damage restoration
The professionals at SERVPRO of East Dayton/ Beavercreek specialize in restoring properties after a fallen tree causes damages. All of our SERVPRO professionals are IICRC certified and are available 24/7, rain or shine.
SERVPRO of East Dayton/ Beavercreek even has a construction division to repair or rebuild any damages that occurred to your property. So when you contact us, you will receive tailored services from the best restoration team in Ohio.