Dealing with a Tree Falling on Your House in Westminster, Maryland: A Step-by-Step Guide

Dealing with a Tree Falling on Your House in Westminster, Maryland: A Step-by-Step Guide

August 14, 2023

Experiencing a tree falling on your house can be a frightening and overwhelming situation. In Westminster, Maryland, where severe weather conditions and strong storms are not uncommon, it's essential to be prepared for such emergencies. Knowing what to do immediately after a tree falls on your house can make a significant difference in minimizing damage and ensuring your safety. In this blog, we'll provide you with a step-by-step guide on how to handle this unfortunate situation.

Step 1: Ensure Your Safety

The first and most crucial step is to prioritize your safety and the safety of your family members. If the tree fall has caused significant damage to your home, it's best to evacuate the premises immediately. Ensure that everyone is accounted for and move to a safe location away from the affected area.

Step 2: Contact Emergency Services

After securing your safety, call 911 to report the incident. Inform the dispatcher that a tree has fallen on your house, and request emergency assistance. If there are any downed power lines near the fallen tree, keep a safe distance and notify the authorities of the hazard.

Step 3: Document the Damage

While waiting for emergency responders to arrive, take photos or videos of the damage caused by the fallen tree. Document the extent of the destruction both inside and outside your home. These records will be essential for insurance claims and can help your case during the recovery process.

Step 4: Contact Morris Insurance Services

Notify your homeowner's insurance company as soon as possible about the incident. Provide us with the necessary information, such as the date and time of the incident, a description of the damage, and any photos or videos you have taken. Morris Insurance will guide you through the claims process and advise you on the coverage you have for such situations.

Step 5: Secure the Area

If it is safe to do so, take measures to secure the area around the fallen tree to prevent further damage or injuries. However, avoid attempting any major repairs yourself, as it may be hazardous and could void your insurance coverage. Instead, wait for professional assistance.

Step 6: Seek Professional Help

Once emergency services have assessed the situation and deemed it safe, contact a reputable tree removal service or an arborist to handle the tree removal process. In situations like this, it's essential to hire professionals with experience in dealing with tree-related incidents. They will have the necessary equipment and expertise to safely remove the tree without causing further damage to your property.

Step 7: Temporary Shelter and Repairs

If your home has suffered extensive damage, you may need to arrange for temporary shelter until the necessary repairs are completed. Check with your Morris Insurance agent to see if your policy includes coverage for additional living expenses during the restoration period.

Step 8: Document All Expenses

Throughout the recovery process, keep a detailed record of all expenses related to the incident, including temporary accommodations, meals, transportation, and repairs. These records will be essential for insurance reimbursement and tax purposes.

Step 9: Prevent Future Incidents

After the tree has been removed and your home repaired, take measures to prevent similar incidents in the future. Regularly inspect trees on your property and trim branches that may pose a risk during storms. Consult with a professional arborist if you're unsure about the safety of any trees near your home.

Experiencing a tree falling on your house is undoubtedly a stressful and challenging situation. However, by following these steps and seeking professional assistance from Morris Insurance, you can efficiently manage the aftermath and get your life back on track in Westminster, Maryland. Remember, safety should always be your top priority, and seeking professional help is crucial to ensure a thorough and safe recovery process.