Call your insurer early, because most policies expect you to prevent further damage and will want to hear about it quickly. Then build the record an adjuster needs:
- Wide photos that show the whole tree and what it hit, then close photos of each point of damage, inside and out.
- A photo of the base of the tree. Whether it uprooted, snapped, or broke at an old decayed spot can matter later.
- The date and time, and a screenshot of the weather warning if there was one.
- Our itemized invoice, which separates making the site safe and taking the tree off the structure from hauling debris and grinding the stump. Insurers treat those differently.
In general, a policy pays to remove a tree that damaged a covered structure, and often one that blocks a driveway. It usually doesn't pay for a tree that fell on open lawn. We can't tell you what your policy says, but we do write the paperwork so the adjuster doesn't have to guess.
When it was the neighbor's tree
People expect the tree's owner to be responsible. Usually that's not how it works. When a sound tree comes down in a storm, each owner's own policy covers damage on their own side of the line. The neighbor is typically liable only if they knew, or should have known, that the tree was a hazard and did nothing. That is why a dated, written note to a neighbor about a dead or leaning tree is worth sending before the winter, not after.
Emergency removal and city permits
Beaverton's code recognizes that a tree in the right-of-way sometimes has to come out before a permit can be issued, when that is necessary to avoid imminent injury or damage. The same common sense applies to protected trees on private lots. Photograph the tree before and after, keep our invoice, and tell the Planning Division at 503-526-2420 once things are safe. Ash wood stays inside the emerald ash borer quarantine area, storm or no storm.