Quick Answer
Okay, so there's a tree on your house. Deep breath. First thing's first: get everyone out SAFELY. Don't be a hero. If you smell gas or see downed power lines, get way back and call 911. After that, your next two calls are to your insurance company—like Progressive or whoever you got—and a 24/7 emergency tree service. Do NOT try to cut or move it yourself. This isn't a DIY job. It's dangerous. You're looking at anywhere from $1,000 to over $7,000 for removal, but insurance should cover most of it. The key is safety first, then acting fast.
Common Symptoms
Possible Causes
Step-by-Step Diagnosis
Step 1
Ensure everyone's safety and evacuate the house immediately.
Step 2
If you see downed lines or smell gas, call 911 from a safe distance.
Step 3
If it can be done safely from the outside, shut off the main electrical breaker and gas meter.
Step 4
Document the damage thoroughly with photos and videos for insurance purposes.
Step 5
Call your insurance company's 24/7 claims line to report the incident.
Step 6
Call a 24/7 emergency, insured tree removal service.
DIY vs Professional Costs
| Repair Type | DIY Cost | Professional Cost | Time Required |
|---|---|---|---|
Emergency Tree Removal (Tree on House) | N/A - EXTREMELY DANGEROUS | $1,000 - $7,000+ | 4-12 hours |
Emergency Tree Removal (Tree blocking driveway) | N/A - Still very risky | $500 - $3,000 | 2-6 hours |
Temporary Roof Tarping | $50-100 | $200 - $800 | 1-3 hours |
Structural Engineer Assessment | N/A | $300 - $1,000 | 2-4 hours |
When to Call a Professional Tree Service
- Always call a professional immediately when a tree has fallen on your house or any other structure.
- Call a pro when utility lines (electrical, gas) are involved or damaged. Call 911 first in this case.
- If there is any sign of significant structural damage to the home, a pro is needed to assess and secure the site.
- When the tree is too large or heavy for any hope of DIY removal, which is almost always the case.
- If the tree is visibly unstable, shifting, or making noise after falling.
Prevention Tips
- Regularly inspect trees on your property for signs of disease, decay, or instability (leaning, cracks, fungus).
- Hire a certified arborist for routine tree maintenance, including proper pruning and removal of hazardous limbs.
- Ensure proper clearance between large trees and your home/utility lines.
- Be aware of severe weather forecasts and check on vulnerable trees afterward.
- Plant appropriate tree species for your climate and soil, and plant them at a safe distance from structures.
Frequently Asked Questions
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