17/06/2026
With the incoming storms ⛈️ today, we wanted to share a few tips that could help keep you and your family safe.
Even if we don't see severe weather, this is information every homeowner should know.
🌳 Don't cut storm-damaged trees unless you truly know what you're doing.
Uprooted trees, broken tops, and large limbs can be extremely dangerous. We've seen some unbelievable situations over the years. Root balls hold an incredible amount of stored energy and can shift or roll without warning, causing serious injury or worse.
In some cases, the weight of the root ball can actually cause a tree to stand back up, even with thousands of pounds of trunk still attached.
⚡ Treat every downed power line as if it's energized.
Even if a line appears dead, electricity can backfeed into the grid from generators. Stay well away and contact your utility company immediately.
🏠 Know how insurance typically works.
Trees or debris that damage your home, detached garage, shed, or vehicle are often covered because they damaged an insured structure.
Trees or debris that are simply lying on the ground and not impacting a covered structure are generally an out-of-pocket expense or may have very limited insurance coverage.
If you need to file a claim:
• Every insurance policy is different. Check with your insurance carrier or review your policy if you have questions about your specific coverage.
• As a general rule, emergency work does not typically require prior approval from your carrier. However, only you can make that decision, and you should never feel pressured into it.
• Hire a reputable, professional company that understands how to handle insurance claims ethically and properly.
• Many homeowners don't realize they have a responsibility to mitigate further damage. If a tree is on your roof, don't let it sit there for two weeks waiting for an adjuster. Taking reasonable steps to prevent additional damage is an important part of the claims process.
📄 Know your coverage before you need it.
Take a few minutes to review your declarations page so you understand what your policy covers and what your deductible is before an emergency occurs.
• Your deductible is your responsibility as the policyholder. Any contractor offering to "waive" or "cover" your deductible should be a major red flag—it may constitute insurance fraud. Don't do it. 😅
Stay safe today! We hope you don't need us, but if storm damage does happen, we're here to help.
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Disclaimer: We are not attorneys and are not providing legal advice. We are simply sharing information based on our real-world experience in the industry.
