The structural damage that can occur when a tree falls on your home is considerable. There’s a chance that the house might not be safe to live in unless you have extensive work done on it. Your immediate concern must be getting your family members out of the house and to safety.
If the cause of the fallen tree is a windstorm or another natural event, you might opt to file a homeowner’s insurance claim. There are a few things that you need to consider if you’re going to take this step.
- Any power lines that are in contact with the tree, any part of the house or any other structure should be considered energized. Don’t touch them, and contact the power company to alert them to the issue.
- Contact your insurance company to get the claims process started. If you have accommodation coverage, you can discuss what steps to take to get a place to stay.
- Take pictures of the tree and any damage you note before you move anything. You must ensure that you remain safe while you do this.
- Mitigate the damages by boarding up windows, placing tarps over holes, and doing what you can to prevent the damage from becoming worse.
- Get contractors to come out and survey the damage and provide quotes for repairs. Remember to also contact a company to remove the tree from the home.
As your claim makes its way through the process, you may find that dealing with the insurance company is exhausting. Instead of trying to do it yourself, you can contact an attorney to fight for your right to receive the benefits, including payments, from the insurance company that you’re due.