A tree crashing onto your roof is one of the most alarming events a property owner can experience. Whether caused by high winds, lightning, or a weakened trunk, fallen trees can cause significant structural damage and pose serious safety risks. Knowing exactly what to do when a tree falls on your roof is essential for protecting your home or business, minimizing damage, and starting the repair process as quickly and safely as possible.
In this guide, we’ll walk you through the immediate steps to take after a tree impacts your roof, how to handle insurance claims, assess damage, and choose a qualified contractor for repairs. With the right approach, you can reduce downtime, avoid costly mistakes, and restore your property with confidence.
1. Ensure Safety First
Before doing anything else, prioritize safety. A fallen tree can destabilize the structure of your home or building, especially if it penetrated the roof or damaged support beams.
Steps to take immediately:
✔ Evacuate the affected area or entire building if needed
✔ Avoid going near exposed power lines or structural damage
✔ Do not attempt to remove the tree yourself
If you suspect a gas leak, fire risk, or electrical hazard, call 911 and let emergency services handle the situation.
The Federal Emergency Management Agency (FEMA) provides guidance on dealing with structural damage and emergency safety: FEMA Disaster Safety Guide
2. Contact Your Insurance Company
As soon as it’s safe to do so, contact your homeowner’s insurance or commercial property insurance provider to report the damage. Most policies cover tree damage caused by storms, wind, or other unexpected events, but the cause matters.
Be prepared to provide:
✔ Policy number
✔ Date and time of the incident
✔ A description of what happened
✔ Photos or videos (if safe to take)
An insurance adjuster will likely schedule a visit to inspect the damage. Keep records of all communications and expenses related to emergency services or temporary shelter if needed.
3. Document the Damage Thoroughly
Before any cleanup begins (as long as it’s safe), take photos and videos from multiple angles. These visuals will be critical for insurance claims and future repairs.
Be sure to capture:
✔ Exterior roof damage (shingles, punctures, visible holes)
✔ Tree branches or debris resting on or through the roof
✔ Interior water stains, ceiling cracks, or structural damage
✔ Broken windows or damaged gutters
Documentation should be timestamped and backed up digitally.
4. Prevent Further Water or Structural Damage
If weather conditions allow and the tree is no longer a hazard, taking steps to prevent further damage is important. This might include:
✔ Tarping exposed areas to block rain
✔ Placing buckets under leaks inside the building
✔ Shutting off water or electricity if there’s evidence of interior exposure
Note: It’s best to leave this step to professionals. Many roofing companies, including Home Source Roofing, offer emergency tarp and temporary repair services to stabilize damage until full restoration can begin.
5. Hire a Certified Tree Removal Service
Removing the fallen tree from your roof is not a DIY job. It requires experience, proper equipment, and a full understanding of structural risks. Look for licensed and insured tree removal companies that specialize in storm recovery or emergency services.
Tree removal typically happens in two phases:
- Stabilizing the site to prevent further damage or injury
- Lifting and removing the tree using cranes or other equipment
Ask the removal service for a copy of their insurance coverage before they begin.
6. Schedule a Professional Roof Inspection
Even after the tree is gone, the full extent of the damage may not be visible. That’s why a comprehensive roof inspection is crucial. A licensed roofing contractor will examine:
✔ Shingles and underlayment
✔ Structural integrity of the decking and rafters
✔ Chimneys, vents, and flashing
✔ Insulation and attic ventilation
Hidden damage, such as cracks in the decking or moisture trapped in the insulation, can lead to long-term problems if left unaddressed.
The National Roofing Contractors Association (NRCA) recommends professional inspections following extreme weather or impact events: NRCA Roofing Inspection Guide
7. Understand Your Repair Options
Depending on the extent of the damage, your options may include:
- Minor repairs to shingles, flashing, or gutters
- Partial roof replacement for larger affected sections
- Full roof replacement if the structural deck or framing is compromised
A reputable roofing contractor will provide a detailed estimate and explain what’s required, what’s covered under warranty, and how long the repairs will take.
8. Check Your Warranty and Permits
If your roof is still under warranty, review the documentation to see what might be covered. Keep in mind that storm or tree damage usually falls under your insurance, but manufacturers may cover specific material failures.
Also, check with your contractor to ensure all local building permits are secured before work begins. Compliance with local codes ensures your roof meets all safety and legal requirements.
9. Consider Roof Upgrades During Repairs
If repairs require extensive work, it might be a good time to consider upgrading your roof. Popular enhancements include:
✔ Impact-resistant shingles for better storm protection
✔ Upgraded attic ventilation to improve energy efficiency
✔ Metal roofing systems for long-term durability
These upgrades may even qualify for insurance premium discounts, depending on your provider.
10. Monitor the Area After Repairs
Even after repairs are complete, keep an eye on the affected area over the next few months. Watch for:
✔ Leaks during rainstorms
✔ Signs of moisture in ceilings or walls
✔ Shifts in roofing tiles or shingles
If anything seems off, contact your contractor for a follow-up inspection. Reputable companies will stand by their work and respond promptly to concerns.
Stay Prepared: Preventing Future Incidents
While storms can’t be prevented, some proactive measures can reduce the risk of trees falling on your roof:
- Trim branches that overhang your home or building
- Remove dead or decaying trees from your property
- Schedule annual tree health assessments with certified arborists
- Inspect your roof at least twice a year for signs of wear
Preparation and routine maintenance go a long way in minimizing future risks and damages.
Need Help Now? Let Us Inspect the Damage
If a tree has fallen on your roof, you don’t have to figure it all out on your own. At Home Source Roofing, we offer emergency inspections, damage assessments, and expert repairs to get your property back to normal as quickly and safely as possible.
Let us take care of the roof so you can focus on everything else. Get a free inspection now and speak with a team that’s ready to help when you need it most.
