What should I do first if a tree falls on my roof?
Keep everyone out of the area under the damage and away from any power line, and call the emergency services if anyone is hurt or a line is down. Do not go onto the roof, and do not try to move the tree or a heavy limb yourself.
The first decision is who is at risk. Anyone inside the room below the impact should move to a part of the house that is clear, and anyone outside should keep well back from the tree and the roof edge. A branch under load can shift without warning, and a trunk can roll. If you smell gas, leave the house and call the emergency services from outside, and do not use a phone or a switch inside.
After the people are safe, call for a roof repair technician. They will ask where the damage is, whether the attic is open, whether there is power to the house, and whether a line is down. Those answers decide the next step, and a temporary cover is often the first job once the area is safe to work in.
Will a tarp be put on my roof right away?
A temporary cover is often the first step once the house and the area are safe, since an open roof lets rain and snow into the attic and the walls. Whether it can go on the same day depends on the weather, the damage and the number of technicians free at the time.
A tarp is a holding measure. It keeps water out while the permanent repair is planned, and it is secured so that it does not blow loose in the next wind. The cover has to be fixed to a sound part of the roof or to the framing where it can be reached safely, and the technician will decide where it goes.
The cover does not replace the repair. It is taken off when the permanent work is done, and the new covering is installed over the repaired structure. Keep the cover in place until the technician takes it down, and report any new leak, sag or movement immediately.
Is the damage covered by insurance?
Insurance depends on the policy and the cause of the damage, and this page cannot answer that for you. Wind and tree damage are common claims, and the documentation you gather at the scene is what makes a claim easier to handle.
Take photographs of the tree, the roof, the attic and the ceiling before anything is moved, and write down the time and the weather. Keep receipts for the temporary cover and any emergency work. Ask your insurer what documentation it needs, and read the policy for the terms that apply to wind and to trees.
The Idaho guide on storm damage and insurance claims covers the general steps a homeowner can take. It does not give the deadlines or limits that apply to any particular policy, so read your own policy and ask your insurer directly about the specific deadlines and terms.
Why do trees come down on houses in Moscow and Pullman?
Strong winds on the Palouse can uproot or break trees, especially in storms that bring southwest winds at high speed. The National Weather Service has reported gusts from the 60s into the 70s miles per hour on several occasions, and trees have come down onto homes.
Reports from the National Weather Service and the NOAA Storm Events Database describe repeated windstorms across the Palouse. In November 2006 gusts of 71 miles per hour were reported south of Moscow, and trees fell on homes in Moscow. In December 2006, a 77 mile per hour gust was reported on the West Hill at Colfax, and the College Hill area of Pullman was hit hardest. These are reported gusts, and they are the basis for taking tree risk seriously.
The damage is not limited to the open country. Trees in town fall onto roofs too, and the risk is greater where a large tree stands close to a house and has been weakened by earlier storms, disease or a root problem. A technician can point out the trees near your roof that are worth an assessment by a tree service, which is a separate job from the roof repair.
What moves the cost of a fallen tree repair up or down?
The extent of the damage, whether the framing is affected, the access to the roof, and the amount of temporary cover needed all change the work. The price is explained and approved before work starts, and no figure is printed here.
A small limb strike on a covering is a much smaller job than a trunk that has gone through the decking and into the attic. Structural repair, bracing and the replacement of the rafters and the decking take more time and material, and they are checked before the roof covering is rebuilt. The age of the building and the type of covering on it also shape the repair.
The technician will explain what the damage involves and what the repair will cost before any work starts. Tree removal and debris clearing may be separate jobs with separate providers, and they are priced on their own. You can decide then how to proceed.