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“A fallen tree can destroy more than just your roof — it can damage your structure, plumbing, electrical systems, and even your peace of mind. Whether the tree fell from your own yard or your neighbor’s, dealing with the aftermath can be complicated and costly.
When a tree crashes into a house, the damage goes far beyond what you see on the surface. The impact can destroy your roof, walls, and foundation in seconds — but the hidden structural, electrical, and safety risks that follow make this type of damage especially dangerous if not handled properly.
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Large branches or full trees can crush roofs, break rafters, and expose your home to rain and debris.
A falling tree can crack load-bearing walls, shift foundations, or collapse roof sections. Even if the house appears stable, hidden fractures in beams or trusses can make the structure unsafe to live in until it’s professionally inspected.
The force of a falling tree can rupture gas lines, water pipes, or sewer lines, leading to leaks, contamination, or explosion risks. These dangers are often invisible at first glance but can escalate quickly if not detected early.
Once the roof or siding is punctured, rainwater can enter the home, soaking insulation, drywall, and flooring. Even after the tree is removed, this trapped moisture can lead to mold growth, rot, and long-term structural decay.
When trees bring down power lines or crush electrical systems, they create a serious risk of electrical shock or fire. Damaged wiring behind walls may spark days or weeks later, turning an already dangerous situation into a potential disaster.
A tree impact is sudden and traumatic — it disrupts your family’s safety, damages valuables, and may displace you from your home. Meanwhile, insurance companies often debate responsibility, especially if the tree came from a neighbor’s property.
Insurance adjusters often perform brief inspections focused only on visible damage. They may overlook hidden structural issues, moisture behind walls, or long-term effects that develop after the initial event.
It’s common for insurers to reclassify losses to reduce coverage.Water damage might be labeled “maintenance-related.” Mold may be called “secondary damage.” Storm damage might be blamed on “wear and tear.” These redefinitions help them minimize or deny payouts.
Even when claims are approved, initial settlement checks are often far below the true repair cost. Insurers expect homeowners to accept the first offer without question — leaving many properties only partially restored.
Insurance companies may request repeated paperwork, send multiple adjusters, or drag out the process — hoping you’ll give up or settle for less.
Many policyholders are told their claim is “not covered” or their file is closed after a partial payment. What most homeowners don’t realize is that many of these claims can be reopened if new evidence or professional documentation is provided by a licensed public adjuster.
He examines every area impacted, from roof to foundation, to uncover hidden damage.
He prepares photos, expert reports, and repair estimates that reflect the full extent of the loss.
He handles all communication with the insurer, ensuring they don’t overlook or underpay key damages.
He fights to secure compensation for tree removal, repair, and full property restoration — not just patchwork fixes.
“When a tree crashes into your home, quick action and expert representation make all the difference. Jerry Kotler’s job is to protect your rights, deal with the insurance stress, and make sure your home — and your peace of mind — are fully restored.”
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