Our Emergency Tree Work service responds when a tree comes down suddenly, and most home and landlord insurance policies cover exactly that scenario, storm, wind, or lightning damage, but not a tree that was already known to be unhealthy or overdue for maintenance. What we document on the day often decides what your insurer pays.
What Our Emergency Tree Work Service Covers
- A tree or large limb brought down by storm, wind, or lightning
- A tree that’s fallen onto a house, car, fence, or shed
- A tree left dangerously unstable after a storm, posing immediate risk
What insurers usually exclude: pre-existing decay, a tree that was already leaning or dying, or removal requested for landscaping reasons rather than damage.
What We Document During an Emergency Callout
- Photographs of the damage before clean-up begins
- A written assessment of the likely cause, storm event versus pre-existing condition
- An itemised invoice separating emergency stabilisation, removal, and any follow-up work like stump grinding
Our instant paperless invoicing keeps this clean and time-stamped, which matters since a vague invoice is one of the most common reasons insurers delay a payout.
What If a Neighbour’s Tree Falls on Your Property?
Your own policy generally covers your damage and removal regardless of whose tree it was, though your insurer may pursue recovery from theirs if negligence is provable.
Why Fast Emergency Response Matters for Your Claim
Most policies expect reasonable steps to prevent further damage once a tree is down. Our Emergency Tree Work service is built around rapid response across Hobart and Southern Tasmania, containing and documenting the risk quickly.
Book Emergency Work That’s Also Insurance-Ready
When a tree comes down, safety comes first, but the paperwork decides your claim outcome. Our fully insured, Safe Work Australia compliant crews handle emergency callouts the way insurers expect.
We also advise clients to check their policy’s specific definitions of storm and accidental damage ahead of time, since terminology varies between insurers and knowing the wording in advance makes a real difference if a claim ever needs to be argued.
Once the immediate hazard is cleared, we also flag any other trees on the property showing storm stress, so a single emergency call-out can double as an early warning for problems elsewhere on the block.
It’s also worth checking your gutters and roofline for debris even where the tree itself missed the structure directly, since branches and leaf litter from the same storm event can cause water damage that’s easy to overlook during the initial clean-up.
For landlords and property managers specifically, having a standing arrangement with an insurance-ready emergency provider in place before a storm hits, rather than searching for one during an active crisis, tends to produce noticeably faster response and calmer decision-making on the day.
It’s also worth checking whether your policy covers temporary protective measures, tarping a damaged roof section, for example, while permanent repairs are arranged, since these interim costs are sometimes overlooked in the rush to deal with the tree itself.
Call 0407 128 633 any time for emergency response, or visit irwinclementstreeservice.com.au.