Immediate Steps After a Storm Damages Trees in Rochester
Rochester and Monroe County are no strangers to severe weather. Nor'easters, ice storms, and powerful thunderstorms regularly cause tree damage across the region. If a storm has just passed and you are dealing with fallen or damaged trees, this step-by-step guide will help you stay safe and handle the situation correctly.
Step-by-Step: What to Do Right After the Storm
Step 1: Stay Inside Until It Is Safe
Do not go outside immediately after a storm. Downed power lines may not be visibly sparking. Wait for official all-clear notifications from the City of Rochester or Monroe County Emergency Management before assessing damage.
Step 2: Call 911 If There Are Downed Power Lines
If a tree has brought down power lines, this is a utility emergency — not just a tree emergency. Call 911 and keep everyone away from the area. Do not touch any wire on the ground, even if it appears inactive.
Step 3: Document All Damage With Photos
Before any cleanup begins, photograph everything — the fallen tree, any structural damage to your home or fence, and the surrounding area. You will need this documentation for your homeowner's insurance claim.
Step 4: Call Your Homeowner's Insurance Company
Report the damage to your insurer as soon as possible. Ask specifically about coverage for tree removal and structure repair. Most policies cover tree removal when the tree damages a covered structure. Get a claim number before hiring anyone.
Step 5: Call a Licensed and Insured Tree Service
This is where most Rochester homeowners make a costly mistake. After every major storm, unlicensed "storm chasers" flood the area offering cheap chainsaw service. They are typically uninsured — meaning you are fully liable if they are injured on your property. Always verify insurance before hiring.
Step 6: Document the Removal Process
Ask your tree service for photos during the removal as well. Insurers may request evidence of the work performed when processing your claim.
Step 7: Inspect Remaining Trees After Cleanup
The same storm that felled one tree likely stressed others. Have an arborist inspect all trees on your property for cracked unions, root lifting, and new leans before the next storm season.
Will My Insurance Cover Storm Tree Removal?
In most homeowner's insurance policies in New York State:
- Tree on your house or garage: Usually covered for both removal and structural repair, subject to your deductible
- Tree blocking your driveway: Often covered up to $500–$1,000 per tree
- Tree fell in yard, no structure damaged: Typically not covered
- Neighbor's tree fell on your property: Usually your insurance, not your neighbor's
A One Tree Services works with insurance companies regularly. We provide detailed documentation and can help ensure your claim is processed as smoothly as possible.
Frequently Asked Questions
We dispatch immediately for emergencies. During major storm events affecting Monroe County, we prioritize trees on homes and blocked driveways first. Call (585) 888-9232 for current availability.
Only very small trees away from structures should be considered for DIY removal. Trees under tension — such as those pinned under other trees or against a structure — can snap back violently when cut and cause serious injury.
Call us any time — we operate a 24/7 emergency line at (585) 888-9232. Night emergency removal rates apply for non-critical situations, but we never charge extra for trees actively threatening your home.
