Tree Fell on My Roof in Austin: What to Do First

Tree Fell on My Roof in Austin: Immediate Steps

Austin's spring storm season brings thunderstorms, straight-line winds of 60–80mph, and large-scale hail. A tree limb or full tree coming down on a roof is unfortunately common, particularly in Austin's older neighborhoods with large live oaks and cedar elms.

Step 1: Safety First

Before anything else:

Do NOT enter rooms where the ceiling has been compromised

Check for gas leaks (if you smell gas, leave immediately and call Atmos at 866-322-8667)

Turn off electricity to affected rooms if water has entered

Step 2: Document Everything Before Moving Anything

Take extensive photos and video of:

The tree/limb on the roof (from outside)

Interior damage from multiple angles

Any water intrusion

All contents damaged

This documentation is your insurance claim foundation. Don't move the tree before an adjuster has been there — many insurers request to see the cause.

Step 3: Call Your Insurance Company

File a claim immediately. Ask the adjuster:

When will they inspect?

Can I get an emergency tarping done while waiting?

What documentation do I need to save?

Step 4: Emergency Tarping

A roofing contractor can tarp the opening while you wait for the adjuster (usually 3–7 days). Most Austin roofers charge $300–$800 for emergency tarping. Your insurance typically covers this as "mitigation expense."

Step 5: Tree Removal

A licensed tree service (arborist) should remove the tree, not the roofer. Tree removal from a roof typically costs $1,500–$5,000 depending on size and access.

Common Insurance Questions

Whose insurance pays if a neighbor's tree fell on my roof?

Generally, your own homeowner's insurance pays regardless of where the tree came from — unless you can prove the neighbor was negligent (i.e., the tree was known to be dead or diseased and they ignored notice to remove it).

Find emergency roofing contractors in Austin through ContractorLeads101 — (737) 367-0375.