What to Do When a Tree Falls on Your House: A Guide to Insurance Claims in Kentucky

A fallen tree can cause serious damage to your home, from broken roofs to damaged siding. While it’s stressful, knowing the right steps for filing an insurance claim can save you time, money, and headaches. If you live in Kentucky and need professional help, working with a trusted local team like Shults Tree Service ensures the cleanup and repairs are done safely and efficiently.

Step 1: Ensure Safety First

Before anything else, make sure everyone is safe. Stay away from downed power lines or unstable trees. If the damage is extensive, evacuate your home and call emergency services if needed.

Step 2: Document the Damage

Insurance companies will require proof. Take clear photos and videos of:

• The fallen tree and the damage it caused

• Surrounding property that could be affected

• Any personal property inside the home that’s damaged

Keeping detailed records helps your claim process move faster.

Step 3: Contact Your Insurance Company

Call your homeowner’s insurance provider as soon as possible. Provide them with:

• The date and time of the incident

• Photos and videos of the damage

• Any immediate steps you’ve taken to prevent further damage

Most insurance policies cover “acts of nature,” but coverage can vary, so make sure to confirm what’s included.

Step 4: Work With a Local Tree Service

In Kentucky, trusted tree removal companies like Shults Tree Service can:

• Safely remove fallen or unstable trees

• Help prevent further property damage

• Provide documentation for insurance claims

Having a licensed, insured local tree service on your side strengthens your claim because insurance companies see the work was done professionally.

Step 5: Get Repair Estimates

After the tree is removed, get written repair estimates for your home. Submit these to your insurance adjuster to ensure you’re reimbursed fairly for all damages.

Step 6: Follow Up and Keep Records

Keep track of all communications with your insurance company and contractors. Receipts, invoices, and photos are key if questions arise during the claim process.

Why Choose a Local Kentucky Tree Service?

Hiring a professional local team ensures safety and efficiency. Shults Tree Service, serving Jefferson, Oldham, and Bullitt counties, offers emergency storm response, crane-assisted tree removal, and precision pruning to protect your property. Local experts understand Kentucky weather patterns and insurance nuances, making your claims smoother.

Final Tip: Don’t try to handle a fallen tree alone. Besides the safety risk, insurers may question DIY removals. Relying on a local, licensed tree service helps your claim and keeps your family safe.