NWI Tree Surgeons — Professional Tree Care

Insurance claim guide · Northwest Indiana

Storm damage?
Most policies cover this.

Homeowner's insurance usually covers storm tree damage — and expects you to prevent further damage while the claim is open. Here's the whole process, step by step. Print it, tick the boxes, send it to your adjuster.

Tell us it's an insurance claim and we'll email you this checklist as a printable PDF, plus a version you can send straight to your phone.

Tree on a power line? Call 911 and your power company firstDon't touch it, don't go near it, and treat every downed wire as live — including the one running to your house. The utility makes the line safe. Then call us for the tree and everything after it.

Don't wait on this partA tree on the house or blocking your driveway needs mitigating now — most policies require you to prevent further damage, and that work is usually covered. Call 219-427-2476 any hour. We'll make it safe tonight and photograph every bit of it for the claim.

  1. Step

    Call your insurance company

    Report the damage as soon as you can. Have this ready before you dial:

    • Policyholder's name & policy number
    • Property address
    • Contact phone number
    • Brief description of the storm damage
  2. Step

    Document everything — before any cleanup

    Take clear photos and video of every damaged area. Wide shots plus close-ups; more is better. Walk the property and tick these off:

    • Fallen trees & limbs
    • Roof damage
    • Fences, sheds, garages
    • Vehicles & personal property
    • Any additional hazards created
    • Wide shots showing the whole scene

    Nothing gets cut or moved until the damage is documented

  3. Step

    Prevent further damage

    Most policies require homeowners to take reasonable steps to keep the damage from getting worse — emergency tree removal, tarping, and mitigation are often covered for exactly that reason.

    ⚠ Keep all receipts and documentation for emergency services and temporary repairs

  4. Step

    Meet the insurance adjuster

    Your insurer assigns an adjuster to inspect the property and assess the damage. We back your claim with estimates, photos, and detailed invoices your adjuster will accept.

  5. Step

    Complete the repairs

    Once the claim is reviewed, repair and restoration work can begin. A tree on a structure or a blocked access route may need immediate mitigation before the adjuster's inspection — that's the call we answer at any hour.

How NWI Tree Surgeonscan help

  • Emergency tree removal
  • Trees on homes & structures
  • Hazardous limb removal
  • Documentation for insurance claims
  • Photographs & detailed invoices
  • Debris removal & site cleanup

Coverage varies by policy and carrier — your insurance company makes the final call on what's covered. We're arborists, not adjusters; what we guarantee is the documentation your claim needs and a crew that answers the phone. Licensed, bonded & insured. Serving Crown Point and all of Northwest Indiana.

We're here when you need us most

219-427-2476

Safety first. We'll handle the rest.

Licensed & insured
Experienced · reliable · local
Available 24/7
Serving all of Northwest Indiana