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Emergency Tree Removal: What to Do When Disaster Strikes

A fallen tree can cause immediate and costly damage to your home, vehicle, or property. Whether it’s the result of a sudden storm, strong winds, or a decaying tree finally giving way, fast action is critical. You need a reliable, experienced team that knows how to handle both the cleanup and the insurance side. That’s where our emergency tree removal services come in.

If a tree has fallen on your property, here’s how to respond:

Step 1: Contact Your Insurance Provider and File a Claim

Reach out to your homeowner’s or auto insurance company as soon as possible to report the incident. If there’s visible damage, file a claim right away. Be sure to get a claim number and start documenting everything with detailed photos.

Step 2: Hire a Tree Service Familiar With Insurance Claims

Choose a company that not only handles tree removals but also understands how to work with insurance adjusters. A knowledgeable provider will document the damage and removal process thoroughly to ensure your claim is properly supported.

Step 3: Prioritize Safety

Protecting yourself and your loved ones should be your top concern. A professional emergency tree service will act quickly to eliminate immediate hazards, such as trees resting on your roof or blocking safe access. Don’t stress about getting multiple estimates—insurance usually reimburses reasonable emergency costs.

Step 4: Pay the Invoice, Keep Documentation, and Submit for Reimbursement

Once the job is complete, the tree company will submit the invoice, photos and comps to you and your carrier. After your carrier review it, the payment will be issued, minus any deductible.

7 Reasons Patriot Tree Service Is the Right Call for Emergency Tree Removal

1. Rapid Emergency Response

We show up quickly—often within hours.

2. $0 Down - Direct Insurance Billing

We bill your insurance—no upfront payment required.

3. Experienced Insurance Claim Support

Our word is our price. The amount we quote is the amount you’ll see on your final invoice—no hidden fees or unexpected add-ons.

4. 24/7 Availability

Emergencies don’t wait—and neither do we.

5. Certified Arborists with TRAQ

We’re trained arborists—not weekend warriors with chainsaws. You’ll get expert-level service backed by real knowledge and credentials.

6. NCCER Crane Certified

Certified crane operators for the safest possible removals.

7. We Handle the Stress So You Don’t Have To

From assessing damage to coordinating insurance paperwork, we take the pressure off your shoulders so you can focus on what matters.

Still unsure? [Read our reviews.] Our clients say it better than we ever could.

When Does Insurance Cover Tree Removal?

In many cases, your homeowner’s insurance will help pay for tree removal—but only under specific conditions. Here’s what you need to know:

Did the Tree Cause Damage?

Most insurance plans will cover removal costs if a tree falls and hits a covered structure—such as your house, garage, fence, or shed. If the tree simply lands in your yard without damaging anything, coverage usually doesn’t apply.

Was the Tree Healthy or Dead?

If the fallen tree was clearly dead or decaying and had been that way for some time, your insurance company may deny the claim—especially if it could be argued you had time to address it. However, if the tree was healthy or its condition wasn’t apparent, coverage is more likely.

Who Owned the Tree?

If a tree from a neighbor’s yard falls onto your property, your own insurance provider will typically handle the claim first. If neglect is proven, your insurer may later seek compensation from your neighbor’s insurance company.

Is Stump Grinding Covered?

It depends. If the stump is tied to structural damage—like a fence, deck, or underground utilities—insurance may cover the cost of grinding. If it’s just a cosmetic issue in the yard, it’s usually considered optional and won’t be reimbursed.