Fallen Tree Damage - FAQs

There are many oak trees in central Texas that are beautiful, but they do pose a threat to structures. Whether a tree limb rubs a roof until there are damaged shingles, or a tree falls and creates enough damage that it's no longer safe to be in the home, trees near your home can be a problem. Below are some common questions about the roof damage a tree can cause along with the answers.

What parts of the roofing system can a tree damage?

Just about any part of a roofing system can be damaged if a tree branch or an entire tree falls on a roof. Everything from the shingles and vents on the surface to the deck below can be impacted. Even the gutters connected to the fascia can be affected!

Can roof inspections help avoid roof damage from a fallen tree?

Yes, a roof inspection can help avoid future damage. During inspections, overhanging limbs and trees that pose a threat can be pointed out. Based on what is seen, suggestions can be made to cut back branches or remove the tree entirely if they're located too close to your structure.

Can a metal roof be damaged by falling tree limbs?

Unfortunately, metal roofs are not immune to falling tree limbs. It usually comes down to the size of the limb/tree and the force of the fall. Smaller branches can scratch and dent the surface, and larger trees can puncture your metal roof and mess with the panel alignment.

Can trees cause damage even if limbs don't fall on the roof?

Many property owners aren't aware of overhanging branches causing too much shade on their roof. Excessive shade can increase the chance of mildew and mold growth. There can also be drainage issues caused by tree debris collecting in the gutter system. Installing gutter guards can help keep tree debris from causing blockages.

Is full roof replacement needed if a large tree falls on it?

Whether a full replacement is needed or not is based on the extent of the damage. If an entire tree falls, a full replacement is almost guaranteed. If it's a smaller limb(s), a professional may be able to do a repair without requiring a full replacement. It typically comes down to the amount of structural damage that causes safety issues.

Does property insurance cover tree damage?

Tree damage is typically covered by property insurance, but there are stipulations. An insurance company may not cover the repairs if you don't do the proper maintenance to cut limbs back, or if you know that a problem exists but don't correct it before the damage happens. Coverage may also be denied if you accidentally caused the damage yourself.

While oak trees add beauty and shade to Texas landscapes, they can also pose serious risks to your roof. From minor scratches to major structural damage, tree limbs and falling debris can lead to costly repairs or even full roof replacements. Regular roof inspections, proper tree maintenance, and gutter protection can help minimize these risks. If you suspect tree-related damage to your roof, don’t wait! Contact a professional for an inspection and necessary repairs.