No one expects a tree to fall on their house. One minute you’re watching the wind pick up, and the next, you hear a deafening crack followed by a stomach-sinking crash. Whether it’s from a storm, old age, or just bad luck, when a tree falls on your home, it’s a jarring experience.

As a local family-run tree company, we’ve seen how stressful this can be for homeowners. That’s why we put together this guide, plain and simple, to walk you through what to do if a tree suddenly ends up in your living room (or on your roof). And if you need hazardous tree removal Santa Rosa, we’re just a phone call away.

1. First Things First, Get Everyone Out Safely

Your safety is the top priority. Even if the tree didn’t smash through the roof entirely, there could be structural damage you can’t see. If it’s safe to do so, calmly get everyone, including pets, outside and away from the house. Have a meet-up spot planned (like across the street or in the driveway), just in case you’re separated.

Keep a “go bag” handy at home with essentials like:

  • Flashlights
  • Phone chargers
  • Medications
  • Copies of important documents
  • A bit of cash and extra clothes

It sounds like overkill, until it’s not.

2. Grab Your Phone and Start Snapping

Once you’re safe and the area is secure, start documenting the damage. Take photos and videos from multiple angles, outside and inside, so you have everything your insurance company might need. If it’s dark out, use your phone flashlight. Then circle back in daylight for clearer shots.

Don’t worry about being fancy. Just capture what’s there. It’s all about covering your bases.

3. Call Your Insurance Company (Yes, Even at Midnight)

Most homeowners insurance policies cover tree damage, especially if the fall was storm-related. But here’s the kicker: if the tree was already dead or leaning and you didn’t address it, your claim might not go as smoothly. That’s where having regular inspections and working with a local pro comes in handy.

When you call the insurance company:

  • Report the incident
  • Ask if they need an adjuster to visit
  • See if they’ll cover emergency repairs like tarping or boarding up windows

If they ask for a quote or proof of damage, we’ve worked with dozens of adjusters and can help.

4. Shut Down the Utilities (If It’s Safe)

If the tree fell near your gas meter, electrical panel, or water main, don’t take any chances. Shut things off from a safe distance or wait for the fire department or utility company to give you the green light.

We’ve seen situations in Santa Rosa where fallen trees took out power lines or gas hookups. It’s not worth the risk. Leave it to the pros.

5. Patch Things Up Temporarily (If You Can)

Broken windows? Hole in the roof? If it’s safe to approach, try covering openings with plastic sheeting or a tarp. But don’t climb up on your roof, that’s a recipe for disaster, especially with unstable debris.

This is where a professional crew (like ours) makes a difference. We come prepared with the right gear to safely secure your property and prevent further damage until full repairs can happen.

6. Don’t Hire the First Contractor That Knocks

Disasters can bring out the best, and worst, in people. Some out-of-towners roll into town looking to make a quick buck with subpar work and no accountability.

Stick with local, licensed companies. At Sam’s Tree Service, we live here too. We’re fully insured, Cal OSHA certified for power line trimming, and we’ve built our reputation on doing right by our neighbors.

Already know you’ll need roof work after tree removal? We can connect you with trusted local roofers who won’t ghost you after day one.

7. Call in the Experts for Hazardous Tree Removal

We can’t say this enough: don’t try to remove a fallen tree yourself. Trees are heavy, unpredictable, and often still under tension after a fall. Trying to cut one apart without the proper training or tools can be dangerous, or even deadly.

Our team of professionals handles hazardous tree removal in Santa Rosa every single storm season. We can safely assess the damage, clear the tree, and work with your insurance to make the process as smooth as possible.

Stay Calm, Stay Prepared, Call the Pros!

A tree falling on your home is scary, but you’re not alone. Having a plan, calling the right people, and knowing what steps to take can make all the difference.

At Sam’s Tree Service, we’re not just here for the cleanup. We’re part of this community, and we’re ready to help!

Have a tree that needs to be checked out? Looking to get one removed, trimmed, or pruned? Call Sam’s Tree Service today at 707-293-6930 or contact us online now!