A tree crashing into your home is terrifying. Here is exactly what certified arborists say to do in the first 10 minutes to keep your family safe and protect your claim.

When a tree slams into your house, the next ten minutes matter more than any that follow. Panic is natural, but a calm, safety-first response protects your family and preserves your insurance claim. As certified arborists who respond to these calls around the clock, here is the exact sequence we walk homeowners through.

Minute 1 to 3: Get Everyone Out and Accounted For

Your first job is people, not property. Move everyone away from the impact zone and out of the structure if the roof, walls, or ceiling show any sign of sagging, cracking, or shifting. A tree that fell can still settle or roll, and a compromised roof can give way without warning.

Do a headcount, including pets, from a safe distance
Stay clear of the room directly under or beside the impact
Do not go back inside for belongings until the structure is cleared

Minute 3 to 5: Scan for Life-Threatening Hazards

Once people are safe, look and listen from a distance for the dangers that turn an accident into a tragedy.

Power lines: If the tree is touching wires, or if wires are down anywhere nearby, treat the entire area as energized. Keep at least 35 feet away and call 911 and your utility immediately.
Gas: If you smell rotten eggs or hear hissing, leave at once and call your gas company from outside.
Fire and water: Watch for sparks, and note if broken pipes are leaking into the home.

Never attempt to move the tree, cut branches, or climb onto the roof yourself. That is how minor incidents become fatal ones.

Minute 5 to 7: Shut Off Utilities if It Is Safe

If you can reach your main electrical panel and water shutoff without entering a damaged area, turn them off to reduce fire and flooding risk. If reaching them means walking under the damaged section or near downed lines, skip this step and wait for professionals.

Minute 7 to 10: Document and Call for Help

Insurers reward homeowners who document early. From a safe vantage point, take wide photos and short videos of the tree, the damage to the roof and walls, and any interior damage you can capture without risk. This record is invaluable when you file. Our team can walk you through the process and coordinate directly with adjusters through our .