What to Do When a Tree Falls on Your Roof in Westminster

It happens in an instant—a deafening crack, a crash that shakes the walls, and then silence. You rush to the window and see it: a tree has come down and landed squarely on your roof. Whether it was brought down by a storm, heavy snow, or high winds, the result is the same—your home is suddenly exposed, your nerves are rattled, and you’re left wondering what to do next.

Dealing with tree damage on your roof isn’t something most homeowners plan for, but knowing what to do when a tree falls on your roof can save you time, stress, and costly mistakes. From ensuring your safety and protecting your property, to navigating insurance and finding reliable repairs, this guide will walk you through each step of the process.

And if you’re in the Westminster area, you’re not alone. Mile High Roofing Services is here to help you recover quickly, repair damage correctly, and restore your peace of mind.

First Things First: Ensure Your Safety

Stay Away from the Impact Area

When a tree falls on your roof, the first and most important thing is protecting yourself and your loved ones. A fallen tree can cause unseen structural damage, making certain areas of your home unstable. If part of the roof has caved in or you notice cracks in walls or ceilings, it’s best to evacuate that part of the house immediately.

Do Not Attempt to Inspect the Roof Yourself

Even if the damage doesn’t look severe from the ground, it’s extremely dangerous to climb up on your roof after an incident like this. The structure could be compromised, and shifting debris could cause injury. Let trained professionals handle the inspection safely and thoroughly.

Call Emergency Services If Necessary

Know When to Make the Call

If power lines are involved or there’s a risk of fire, don’t wait—call 911 or your local fire department. Downed lines are extremely hazardous and should only be dealt with by utility crews.

Document the Damage for Insurance

Take Photos and Videos from a Safe Distance

Once you’re sure everyone is safe and the situation is under control, it’s time to gather evidence. Take clear photos and videos of the fallen tree, the area it impacted, and any visible damage—both outside and inside your home.

Keep Track of Expenses and Details

Start a log of the incident. Note the date and time, weather conditions, and any steps you’ve taken since the event. Keep receipts for any emergency repairs, hotel stays, or temporary living arrangements in case they’re reimbursable through your insurance policy.

Contact Your Insurance Company

Start the Claims Process Early

The sooner you notify your insurance provider, the sooner the process begins. Most homeowners’ insurance policies cover tree damage on the roof caused by storms, high winds, or other sudden events. They’ll assign an adjuster to assess the damage and determine coverage.

Wait for Approval Before Major Repairs

While you may need to make temporary fixes to prevent further damage, avoid making full repairs until your insurance adjuster gives the go-ahead. Removing evidence too soon can affect your claim.

Schedule a Professional Roof Inspection

Why You Need a Thorough Inspection

Tree impacts can cause more than just broken shingles. Structural damage, hidden leaks, and weakened roof decking often go unnoticed without a professional eye. An expert inspection ensures no issue goes undetected.

How Mile High Roofing Services Helps

If you’re wondering what to do when a tree falls on your roof in Westminster, start by calling Mile High Roofing Services. We offer free estimates within 24 hours, so you’re not left waiting or guessing. Our trained roofing experts know exactly what to look for and will provide a full damage report for both you and your insurance company. We’re also familiar with working through the claims process to keep everything moving smoothly.

Remove the Tree Safely and Begin Temporary Repairs

Use a Licensed Tree Removal Service

Don’t try to remove the tree yourself. Even smaller trees can be deceptively heavy and dangerous. Always hire a licensed and insured tree removal company to take care of the debris safely and without causing additional damage.

Protect Your Home from Further Exposure

Once the tree is removed and the area is accessible, Mile High Roofing Services can install a temporary cover or tarp to protect your roof from rain, snow, or animals. Temporary protection is crucial if full repairs can’t be done right away.

Complete the Necessary Repairs or Replacement

Assess Whether Repairs or Full Replacement Is Needed

After a thorough inspection, our team will recommend the best course of action. Sometimes the damage is limited to a section of shingles or flashing. In more severe cases, the structure of the roof may be compromised, requiring a full roof replacement.

What You Can Expect from Our Team

We use only high-quality roofing materials and follow strict safety and building standards to restore your roof quickly and properly. From the first call to the final cleanup, our crew is focused on keeping the process smooth and transparent. With over 12 years of experience and an A+ BBB rating, we’re committed to doing the job right the first time—and making sure you’re completely satisfied.

Preventing Future Tree Damage

Schedule Regular Tree Maintenance

After your roof is repaired, consider having a local arborist inspect trees on your property. Pruning overhanging limbs and removing dead or dying trees reduces the risk of future roof damage. A little preventative maintenance now can save you thousands in unexpected repairs later.

Ask Us About Impact-Resistant Roofing Options

If you live in an area prone to severe storms or high winds, talk to us about upgrading to impact-resistant shingles during your repair or replacement. These materials are designed to withstand debris better and may even help lower your insurance premiums.

We’re Here When You Need Us Most

Experiencing tree damage on your roof can be overwhelming, but knowing what to do when a tree falls on your roof makes a big difference in how quickly and confidently you can move forward. Whether you’re looking for help in an emergency or just want to be prepared, Mile High Roofing Services is here to provide fast, professional support every step of the way. Our team offers free estimates, quick response times, and unmatched customer service throughout Westminster and nearby areas. Give us a call today at 303-906-6452 or email [email protected] to schedule an inspection or get help with storm-related damage. We’ll handle the roof so you can focus on getting life back to normal.