Can Broken Tree Limbs Fall Later After a Storm?
Yes, broken tree limbs can fall later after a storm. A branch that appears to be hanging securely may still be cracked, partially attached, or weakened at its connection to the tree. Additional wind, rain, or movement can cause the damaged limb to break and fall unexpectedly.
According to the International Society of Arboriculture, broken limbs hanging overhead and trees or limbs under tension can continue to move during and after a storm. This is why storm-damaged trees should be treated as potential safety hazards until they have been properly assessed.
Why Can Broken Limbs Fall After a Storm?
Storms can cause different types of damage to tree branches. Strong winds may crack or partially break a limb without completely separating it from the tree. The branch may remain attached but become structurally unstable.
A damaged limb can also be affected by additional wind or rain after the storm. As the branch moves, the damaged connection can weaken further until the limb eventually falls.
Some branches may also have hidden cracks or internal damage that are difficult to see from the ground. For this reason, a tree that looks mostly intact after a storm may still have hazardous branches that need professional attention.
Are Hanging Branches Dangerous?
Yes. A large broken or hanging branch can create a serious hazard, particularly when it is positioned over a driveway, roof, walkway, yard, vehicle, or other area where people may be present.
The International Society of Arboriculture recommends taking safety precautions around storm-damaged trees and having damaged trees assessed by a qualified professional.
If you notice a large branch hanging from a tree after a storm, keep people and pets away from the area rather than attempting to pull, cut, or remove the branch yourself.
What If the Tree Damages the Roof?
If a storm-damaged tree falls onto your home and damages the roof or another covered part of the structure, the homeowners policy may cover the property damage and may also provide limited coverage for removing the tree.
The North Carolina Department of Insurance advises homeowners to photograph and document storm damage and contact their insurance company as soon as possible after a loss.
Before arranging permanent repairs, homeowners should check with their insurance company about the claim and inspection process.
Does Insurance Cover Storm-Damaged Trees That Have Not Fallen?
Coverage can be different when a tree is damaged but remains standing. A hazardous or partially broken tree may need professional attention, but homeowners should not assume that insurance will pay for preventive tree removal.
Coverage depends on the cause of the damage, the condition of the tree, the policy’s exclusions, and whether covered property has been damaged.
If a tree has large broken limbs or appears unstable after a storm, keep people away from the area and have the situation assessed by a qualified tree professional.
What Should You Do After a Storm?
If a tree falls or causes property damage, safety should come first.
Homeowners should:
- Stay away from unstable trees and hanging branches.
- Take clear photographs of the damage when it is safe to do so.
- Contact the insurance company or agent promptly.
- Keep records and receipts for emergency or temporary measures.
- Ask the insurance company what tree-removal expenses are covered.
- Arrange professional tree service for hazardous trees and large storm debris.
The North Carolina Department of Insurance recommends documenting damage before making temporary repairs and contacting the insurance company as soon as possible.
Can a Tree Service Help With Insurance Claims?
A professional tree service can help with the physical cleanup and removal of storm-damaged trees. However, the insurance company determines whether a particular expense is covered under the homeowner’s policy.
It can be helpful to photograph the damaged tree and surrounding property before cleanup when it is safe to do so. Homeowners should also keep estimates, invoices, and other relevant documentation.
Storm Damage Tree Removal in Thomasville, NC
B&G Tree Services and Pressure Washing provides professional tree removal and storm cleanup services for homeowners and businesses in Thomasville, NC, and surrounding communities.
If a storm has left a fallen tree, broken branches, or hazardous tree damage on your property, professional help can make cleanup safer and more manageable.
If you are considering an insurance claim, contact your insurance company first to understand your coverage and then arrange the appropriate tree service.
Frequently Asked Questions
Does homeowners insurance always pay for storm-damaged tree removal?
No. Coverage depends on the policy and circumstances. In North Carolina, tree removal is generally more likely to be covered when the tree damages a covered structure.
Will insurance remove a tree that only falls in my yard?
Usually, standard coverage may not pay for removal when the tree falls in the yard without damaging a covered structure. Check your specific policy for exceptions.
What if a tree falls on my house?
The damage to the home may be covered under the homeowners policy if the cause of loss is covered. Limited tree-removal coverage may also apply. Contact your insurance company to confirm your coverage.
Should I take pictures before tree removal?
Yes, when it is safe to do so. The North Carolina Department of Insurance recommends photographing and documenting storm damage before making temporary repairs.
Who should remove a dangerous storm-damaged tree?
Large fallen trees, hanging branches, and unstable trees should be handled by qualified tree professionals rather than homeowners attempting the work themselves.
