Will homeowner's insurance pay for a tree on my house in Oklahoma?

Usually yes. Most Oklahoma homeowner's policies cover tree-on-house damage, including the cost of removal (often capped at $500-$1,000 unless you have a tree rider). The damage to the structure itself is separately covered under dwelling coverage.

Should I cut the tree off my house myself?

No. Falls from trees are a leading cause of homeowner injury and most homeowner's insurance won't cover injuries you sustain doing professional-grade work. Wait for the crew.

Tree Fell on Your House in Tulsa? Do These 5 Things Now

Name: Tulsa Tree Removal
Address: Tulsa, OK, US
Telephone: (918) 359-5928
Price range: $$

A tree through your roof is one of the worst-feeling moments of homeownership. In the next 60 minutes, you'll make decisions that determine how much your insurance covers, how long you're displaced, and whether anyone gets hurt. Here's the playbook.

1. Get everyone out of the house (or away from the impact zone)

Even if the tree looks settled, it isn't. Wind, weight shift, or rain absorption can drop it further. If it hit a wall or roof, treat the entire room and rooms below as unsafe until a structural engineer or contractor clears them. Don't go in for valuables. They can be replaced.

2. Call 911 if anyone is hurt OR if there's gas/electrical risk

Gas smell — call the gas company emergency line immediately, evacuate, don't flip light switches
Power lines down or arcing — call PSO (888-216-3523) or AEP. Do NOT touch any part of the tree, the ground beneath it, or anything metal nearby
Active structural collapse risk — fire department will assess

3. Photograph everything before you touch anything

Insurance companies pay based on documented damage. Walk the perimeter:

Tree from multiple angles
Roof / wall impact close-ups
Interior damage in every affected room
Wider context shots showing other damaged trees, neighbor's property if relevant

Save originals with metadata. Don't crop or edit.

4. Call your insurance — but call a tree service in parallel

Most homeowner's policies cover tree-on-house damage, including the cost of removal (usually capped at $500–$1,000 unless you have a higher rider). You want the adjuster on the way AND a crew on the way at the same time. Don't wait days for the insurance company before calling a tree service — secondary water damage from a tarp-only solution can double your claim.

5. Call (918) 359-5928

24/7 emergency tree crews across the Tulsa metro. Most calls get a crew on-site within 2–4 hours. We coordinate directly with your adjuster and bill them where possible.

What if I can't afford to wait for insurance?

Reputable emergency tree services will work with your insurance company directly — many will defer their payment until the claim settles, especially when there's a clear, covered loss. Always get this in writing before work begins.

Common mistakes

Hiring uninsured "storm chasers" — out-of-state crews show up after storms, do shoddy work, and disappear. Always verify Oklahoma license + insurance.
Signing an "Assignment of Benefits" form — transfers your insurance claim to the contractor. Sometimes legitimate, often abused. Read it. Better: just hire on a normal contract.
Cutting the tree yourself — if you fall, your homeowner's insurance won't cover your injury (you became the "contractor"). Wait for pros.