Emergency Tree Removal by What's Down
The order of work depends on what the tree landed on. A crew lifts weight off a roof before cutting the trunk, and leaves anything touching a wire to FPL.

Trees on a roof or house
This is the costly case. The tree has to come off in pieces without letting its weight shift onto the trusses, and a crane may be the safest way to lift it; crane tree removal explains when. Before any of that, call your insurer. Angi points out that removing the tree too early can erase evidence an adjuster needs. Get photos of the tree, the roof and the stump while it's all still in place.

Trees across driveways, cars and fences
A tree blocking the driveway is urgent mainly because it traps the car or blocks a way out. Coverage is thinner here: Triple-I says that without damage to an insured structure there's generally no coverage for debris removal, though some insurers will pay to clear a tree blocking a driveway or a wheelchair ramp. Ask your insurer whether the fence counts as an insured structure under your policy.

Hanging and split limbs
A limb torn halfway off and caught in the canopy can drop at any moment. Keep people and pets out from under it and don't pull on it. If the limb is tangled in a power line, stay at least 10 feet back and call FPL at 1-800-4OUTAGE; tree trimming near power lines covers who handles what near the wires.

Uprooted trees in wet sandy soil
UF/IFAS explains that a slow, rainy storm fills the soil with water and cuts the friction holding roots in place, and that poorly drained soil or a high water table makes this worse. The result is a tree tipped over with a flat plate of sand and roots standing on edge. Once it's down in open lawn, it's the cheaper kind of emergency: cut, chip, haul. The root plate and the hole are a separate question for the stump crew.

Snapped palms
A palm snapped through the trunk below its crown is a removal job. A palm that only lost fronds is different: UF/IFAS advises watching it for at least 6 months for new fronds, because bud damage may not show right away. Palms trimmed to a few fronds before a storm snap more often; palm tree trimming explains why.

Why Pompano Beach homeowners call Pompano Beach Tree Care
- One independent local tree crew per request
- Price, cleanup and haul-away in writing first
- Ask for insurance proof and an ISA arborist
- Free to call; you pay the crew only for work you OK
Insurance After a Tree Falls in Pompano Beach
Your house, your policy
Triple-I says a standard homeowners policy covers damage to the house and its contents when a tree falls on it, whoever owned the tree. Your insurer may then try to recover from a neighbor's insurer, and you may get your deductible back if it succeeds.Neighbor's tree
HomeGuide says a neighbor's tree knocked over by a storm is usually your claim, unless the neighbor's negligence, such as ignoring a diseased tree, helped bring it down.Removal
If the tree hit an insured structure, policies generally pay to remove it, up to about $500 to $1,000.No structure hit
Generally no removal coverage, with the driveway exception above.Neglect
Damage traced to poor maintenance isn't covered, which is one more reason to deal with a dead tree before a storm.City permits
The City can suspend parts of its tree code during hurricane emergencies; tree removal has the deadlines that follow.
First Steps When a Tree Comes Down
- 1
Check for wires
Assume any line touching the tree is live. Keep 10 feet away, tools included, and report it to FPL.
- 2
Clear the area
Get everyone out from under hanging limbs and away from a leaning trunk.
- 3
Photograph everything
Shoot the tree, the stump or root plate, and every bit of damage before anything is cut.
- 4
Call the insurer, then the contractor
Ask the insurer what they need before removal. Ask the contractor for a written price that names the emergency rate, haul-away and stump, and ask for proof of insurance.
- 5
Plan the debris
FPL clears only debris that affects its own equipment. The City's bulk pickup takes branches but not trunks or stumps; yard debris removal covers the rest.
See hurricane tree trimming to take care of weak limbs before the next storm season.
