What Should You Do If a Tree Falls on Your House?
Last updated October 31, 2026
The short answer
Get to Safety First
Your first move is to get everyone outside and away from the house. A fallen tree can shift walls, crack ceilings, or break gas lines. If you smell gas or hear hissing, leave immediately and call the gas utility from a safe distance. Do not re-enter until emergency responders say it is safe.
If anyone is hurt, call for medical help right away. Do not try to move heavy branches or climb on debris. Your safety matters more than your property. Once you are outside, stay clear of power lines. Assume any downed line is live and dangerous.
If you live in Mesa, keep your shutoff valve location written down so you can act quickly in an emergency.
Shut off Utilities Safely
If it is safe to do so, turn off your home's main gas valve and water supply. This stops leaks that can cause more damage. Only do this if you can reach the shutoffs without crossing damaged areas or risking injury. If you are unsure, leave it to the professionals.
Turn off the electricity at the breaker panel if water is near outlets or appliances. Do not touch wet electrical panels. If you cannot access the panel safely, call an electrician. Your insurance company can guide you on what to document for a claim.
Policies vary, and your insurer decides what is covered.
- Check for visible gas leaks or hissing sounds.
- Locate and turn off your water shutoff valve.
- Switch off the main breaker if water is near wiring.
- Avoid standing water if power may be live.
- Keep a flashlight handy in case lights go out.
Document the Damage
Once you are safe, take photos and videos of the tree, the damage to your roof, walls, and floors. Capture wide shots and close-ups. Note the date and time. This record helps your insurance claim and gives the pros a clear picture of what happened.
Do not move branches or debris until you have documented the scene. Your insurer may need to inspect the damage before any repairs begin. Keep any receipts for temporary repairs, like tarping a hole, as they may be part of your claim.
If you have a policy, check it to see what is covered, such as tree removal or structural repairs.
Contact Your Insurance Company
Call your insurance company as soon as you can. Report the tree damage and provide your photos and notes. They will tell you what steps to take next and whether a claim is appropriate. Do not wait, as delays can complicate the process.
Your insurer may send an adjuster to assess the damage. Do not start major repairs before they inspect, unless it is to prevent further harm, like covering a hole. Temporary measures are often acceptable, but check with your insurer first.
Keep a log of all calls and paperwork related to your claim.
What the Pros Do for Tree Damage
Water damage pros handle the aftermath of a tree falling on your house. They remove soaked drywall, pull up wet flooring, and dry out the structure to prevent mold. They also check for hidden water in walls and attics, which can cause rot if left untreated.
The work usually involves drying, cleaning, and repairing damaged areas. They may also help with debris removal, though tree removal itself might need a separate service. Ask your insurance company for guidance on what is covered and who to call.
If you are in Mesa, look for local water damage pros who can respond quickly to drying and cleanup needs.
- Extract standing water from floors and carpets.
- Set up industrial fans and dehumidifiers to dry walls.
- Remove and dispose of soaked drywall and insulation.
- Treat affected areas to prevent mold growth.
- Repair or replace damaged flooring and ceiling sections.
- Coordinate with your insurance adjuster as needed.
Talk to someone now
Phones are answered 24/7 for Mesa and nearby communities.
Call Now (480) 898-4279Frequently asked questions
How long do I have to file a claim?
Most policies require you to report damage promptly, often within a few days. Check your policy for specific deadlines. Delays can reduce your coverage, so call your insurer as soon as you are safe and have documented the damage.
Will my insurance pay for tree removal?
Coverage varies widely. Many policies pay to remove a tree that damages your home, but not for a tree that falls without hitting the house. Your insurer decides based on your policy. Ask your claims adjuster for a clear answer.
Can I stay in my house after a tree falls?
Only if the structure is safe and no gas or electrical hazards exist. If you see cracks, sagging ceilings, or smell gas, leave. The pros can assess the damage and tell you if it is safe to stay. Follow their advice.