Skip to main content
Timber Tree Experts

Storm Response

What to Do When a Tree Falls on Your House

A first-hour playbook: safety, photos, insurance, and who to call in what order. Save this article for the day you hope you never need it.

It's 2am, the wind is still blowing, and there's a 60-foot maple across your kitchen. We hope you never need this article. If you do, the order matters.

Step 1: Get everyone safe

If anyone is hurt, call 911 first. No tree work is worth waiting on emergency services for. Get everyone away from the affected area of the house and stay clear until you know the structure isn't going to come down further.

Step 2: Treat every wire as live

If there are any power lines involved — and there often are — do not approach them, do not touch the tree if any part of it is in contact with a wire, and do not assume a downed line is dead. Even a wire that looks de-energized can have backup power flowing through it. In ComEd territory (most of the Fox Valley), call 1-800-EDISON-1 (1-800-334-7661) for downed lines. They'll dispatch a crew to make the area safe before any tree work happens.

Step 3: Call us — (630) 687-4562

Once safety is handled, call us. For after-hours emergencies, leave a voicemail — we monitor it. Have ready:

  • Your address and the best phone number to reach you
  • What was hit (house, garage, fence, car)
  • Whether utilities are involved (power, gas, water)
  • Whether the tree is still attached, free, or partially uprooted

We'll dispatch a crew and walk you through what to expect over the phone.

Step 4: Photograph everything before it moves

Your insurance carrier will want photographs of the damage as it happened — from multiple angles, in good light if possible. Phones are fine. Get wide shots of the property and tight shots of every point of damage. Don't move anything yet, even if you can.

Step 5: Notify your insurance

Most homeowner policies cover tree removal when the tree has damaged a covered structure — the house, the garage, a fence, sometimes a driveway. Trees that fall in the yard without hitting anything are usually not covered. Call your carrier's claims line and start a claim. Get the claim number — we'll want it for our paperwork.

Pro tip: Take a quick video walk-through of the whole property at the same time. Drone shots if you can get them. The more documentation, the faster the claim moves.

Step 6: Let us coordinate with everyone else

Trees on houses are rarely a single-trade job. You'll often need a roofer, sometimes an emergency board-up service, sometimes a structural engineer, sometimes a tarp crew before the next round of weather arrives. We're happy to coordinate the order of operations — there's usually a right sequence, and getting it wrong creates extra cost and extra damage.

What happens next

Once we're on-site, we'll secure the area, assess the load on the structure, and develop a plan. Sometimes we can clear the tree the same day. Sometimes the structure needs to be stabilized first. Either way, we document every step — before-photos, in-progress photos, after-photos, written description — and provide a formatted invoice your insurance adjuster will recognize.

Tree down right now? Call (630) 687-4562.

We respond 24/7 for storm emergencies. For non-emergency storm work, the contact form on the homepage is fine — we'll be in touch the same day.