Tree Fell on Your House? Insurance Answers and Water Damage Help
Trees are great when they stay in place. Unfortunately, they don’t always stay put. One of my favorite things about Georgia is the huge, beautiful trees we have. At the same time, we also have huge thunderstorms and hurricanes that threaten these trees every year. It’s absolutely terrifying to have a tree come crashing down onto your home. We hope that you never have to experience that, but if it's what you’re going through right now, we understand that you have some urgent questions.
Will insurance cover this damage? What should I do now? Who do I call for advice and help?
We’ve guided many families through this stress. Below, we share what often happens after a tree fall, what’s typically covered by insurance, and how our free inspection and consultation helps you confidently move forward.
Common Causes of Tree Falls in Georgia
We see tree damage from many sources:
Strong winds in summer storms
Lightning splitting a trunk in half
Heavy rain loosening root soil
Tornado or tropical storm systems
Ice buildup during winter
The cause may change, but water damage after a fall is a shared problem. After a tree falls, the question on every homeowner’s mind is almost always, “Will my insurance cover this?”
Will Homeowner’s Insurance Cover a Fallen Tree in Georgia?
Often, yes. But it’s important to note that coverage depends on the specific details of the event and your exact policy. Most homeowner’s insurance covers damage categorized as both sudden and accidental. It must be both. A healthy tree knocked down by wind during a storm fits into these categories.
Here’s how this coverage usually works in Georgia.
Covered:
Wind Damage: Wind knocks a healthy tree onto your home. Repairs and water cleanup are usually covered.
Lightning Damage: Lightning splits a tree. The property and water damage are typically covered.
Ice or Snow Weight: Much more uncommon in our region, but if ice buildup drops a tree, most standard policies will cover the damage.
Not Covered:
Neglected Trees: A dead or diseased tree ignored for years may void coverage.
Flood-Caused Falls: If floodwaters uproot a tree, only flood insurance applies.
No Damage to Structures: If the tree lands in your yard without hitting the home, coverage often doesn’t apply unless it blocks a driveway or damages another covered structure.
What If My Neighbor’s Tree Falls On My Home?
This comes up often. In most cases, the source doesn’t matter. If the tree damages your home, your insurance covers the repair.
Your insurer may later seek repayment from your neighbor’s policy if negligence can be proven, but that process doesn’t delay your repairs.
Will Insurance Cover Tree Removal?
Yes, if the tree damaged a covered structure. Most policies pay for removing the part of the tree causing damage and repairing the home. Many also cover debris removal, but often with a set dollar limit.
How We Help with Insurance
Dealing with your insurance company during a crisis is stressful. We make this easy by handling it all on your behalf.
When you call us for a free water damage inspection, we assess and record the damage before speaking with your adjuster. We provide photos, notes, and moisture readings. This evidence speeds up the claim process and boosts your chances of claim approval.
We know what insurers need to see. Our goal is to remove the paperwork stress from your shoulders so you can focus on your home.
Why Fast Action Matters
Many homeowners wait for insurance approval before calling for help. We understand, but waiting means more damage. Water moves fast through materials. More damage means more cost and more time before you return home.
Calling us costs nothing. Our free inspection and consultation gives you clear answers before you ever have to talk with your insurance company. We’ll keep your best interests in mind and advocate on your behalf.
What to Expect When You Call Provision Property Restoration
Fast Arrival – We offer emergency response and can dispatch immediately when necessary.
Detailed Inspection – We check beyond obvious damage. We look in attics, crawlspaces, and inside walls with industry-leading tools and trained eyes.
Clear Results – We explain what’s affected and show you the recorded damage with easy next steps.
Insurance Support – We prepare all documentation and handle correspondence.
Home Protection – We secure openings and seal off affected areas to keep more water out until restoration starts.
Common Insurance Questions After Tree Damage
Will my rates go up if I file an insurance claim on a fallen tree?
Your rates might change, but storm-related claims are often treated differently from preventable damage.
Can I choose my water damage restoration company?
Yes. Your insurer might suggest someone, but the choice is yours. We also advise that you speak with us before talking with your insurance. It’s best that we come in for a free, professional consultation so that you don’t get mishandled by your insurance.
What if my belongings are damaged by water?
If water reaches your personal belongings, your policy’s personal property coverage may apply. We can go over your policy with you and document these items for a claim. Not only that, but we could even restore some of your belongings if possible.
What Working with a Mitigation Company Looks Like
Here’s an example of what you can expect from working with Provision.
This year, a large oak crashed through the roof of a Georgia family’s home during a spring storm. Water poured all the way down into the living room, into walls, and onto their belongings.
After they called us for a free inspection and consultation, we arrived within hours to document all the damage and give them guidance. They decided to move forward with our services, so we immediately got to work sealing off the damaged areas and installing state-of-the-art dehumidifiers, air scrubbers, and industrial fans to dry their property. From there, we connected with their insurance company and provided all of the required documentation and proof of damage to secure full coverage on their behalf. Because we acted quickly, the home needed fewer repairs, saving the family both time and stress.
Why Provision’s Free Inspection Makes a Difference
In a crisis, knowledge is power. Our free inspection gives you the facts fast.
We walk the property, record every issue with professional tools, and explain what’s needed. We don’t pressure you. Sometimes we confirm that the damage is actually smaller than it looks. Other times, we lay out a plan for immediate action when required.
Either way, you know exactly what’s happening.
Provision is Georgia’s Top-Rated Mitigation Team
If a fallen tree has caused water damage to your Georgia home, don’t wait. Contact us for a free inspection and consultation. We’ll arrive quickly, document the damage, and help you understand your insurance coverage.
We can talk with your adjuster, provide full documentation, and protect your home from further harm.
When storms change your life in minutes, we’re here to guide you back to normal — with clarity, honesty, and care.
