First: safety
- Get everyone out of any room where a tree has come through the roof or a wall. Structural damage can get worse.
- Stay away from downed lines. Assume any wire is energized, including wires tangled in branches. Report it to the utility and 911.
- Do not climb onto the roof or try to cut a tree that is resting on a structure. The weight can shift unpredictably when a piece is cut.
- Shut off gas if you smell it, and leave.
Second: document
Before anything is moved, take photos and video of the tree, the damage, and the stump or root plate from several angles. Insurers generally want to see the condition before cleanup. Keep receipts for any emergency work like tarping.
Third: call your insurer, and a tree crew
Homeowner policies differ a great deal in what they cover when a tree falls: damage to the house, removing the tree from the structure, debris removal, and whether it matters whose tree it was. Read your policy or ask your agent rather than relying on general rules of thumb. Many policies expect you to take reasonable steps to prevent further damage, which is why prompt removal and tarping matter. Your tree crew can provide a written description of the work and photos to support your claim.
How emergency removal works
The crew assesses how the tree is loaded, meaning where weight is resting and what is under tension or compression. Then they remove it in a controlled sequence, often with a crane or rigging, to lift the weight off rather than letting it drop through the structure. Once the tree is off, the roof can be tarped and the remaining trunk and brush cleaned up, either immediately or on a follow-up visit.
After big storms
When thunderstorms, ice or snow hit the whole valley, every crew gets busy at once. Calls are triaged: trees on occupied homes and blocking emergency access come first, then trees on vehicles and outbuildings, then yard cleanup. Be wary of door-to-door "storm chasers" demanding cash up front. Ask for insurance certificates and a written estimate, just as you would for scheduled work.
Hangers and leaners
A storm often leaves partially broken limbs hanging in the canopy ("hangers") and trees that have shifted at the roots. These can fall without warning days later. If a tree near your home has a new lean, cracked soil, or exposed roots after a storm, keep people away from the fall zone and have it looked at soon.
Prevention beats emergency calls
A risk assessment and targeted pruning before storm season can identify weak unions, deadwood and decay, and reduce the chance that a tree fails onto something valuable.
For emergency service, use our free quote form.
How an emergency removal works
When a tree is resting on a roof, the crew first assesses how the weight is distributed and what is holding it. Cutting the wrong piece can let the tree shift and do more damage. Often a crane or a carefully rigged line is used to take the weight off the structure in a controlled way, piece by piece. Once the roof is clear, the crew can help with temporary tarping so a roofer can follow. Wood and debris on the ground are then cleaned up, sometimes on a later visit after the urgent work is done.
Insurance and paperwork
Ask for an itemized invoice that separates the cost of removing the tree from the structure from cleanup of the rest of the tree and stump work. Insurers often treat these differently. Our fallen tree insurance guide explains what is usually covered, and the storm prep checklist helps prevent the next one.