What Swedesboro Homeowners Should Do After a Tree Hits the Roof

Your step-by-step guide to storm safety, insurance, and roof repair — from South Jersey’s trusted roofing experts.

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I. First, Don’t Panic — But Act Quickly

When a tree falls on your home, it’s sudden, stressful, and potentially dangerous. But you don’t have to go through it alone.

In South Jersey, especially in towns like Swedesboro, strong winds and nor’easters often cause trees and branches to fall. If your roof has been impacted, this guide will walk you through the next steps — safely and efficiently.

📞 If you need immediate help, call T.A. Hughes Emergency Roof Repair in Swedesboro. We respond 24/7.

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II. Step 1: Get to Safety First

If the tree has broken through the roof or caused structural damage:

• Evacuate the room(s) directly under the impact zone

• Avoid going into the attic or climbing on the roof — structural supports may be compromised

• Stay clear of hanging branches or tree limbs

• If power lines are down, call 911 and PSE&G immediately (PSEG Safety & Outage Resources)

Tip: If you smell gas or hear hissing, leave the home and contact emergency services right away.

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Step 2: Call a Certified Emergency Roofing Contractor

Before you call your insurance company or attempt DIY repairs, contact a licensed roofing contractor with experience in emergency storm response.

At T.A. Hughes Roofing, our Swedesboro emergency team will:

• Tarp and temporarily secure the roof to prevent further water damage

• Conduct a visual and thermal inspection

• Document all visible damage with photos for insurance

• Advise you on next steps for safety and structural repairs

Request Emergency Roof Repair Here »

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Step 3: Notify Your Insurance Company

Most homeowners’ policies in New Jersey cover damage from fallen trees, but you must act promptly.

What to do:

• Call your insurance provider within 24–48 hours

• Provide photos of both external and internal damage

• Keep receipts for any temporary repairs or emergency expenses

• Don’t authorize full repairs until your insurance adjuster inspects the property

  • Documentation Checklist:
    • Date and time of storm
    • Photos from multiple angles
    • A written inspection report from your roofer
    • Any estimates or invoices

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V. Step 4: Avoid These Common Mistakes

When disaster strikes, some well-intentioned decisions can backfire. Be cautious of:

• Unlicensed contractors offering “cheap” repairs

• Storm chasers from out of state with no local reputation

• Delaying your roof inspection — even if the damage looks minor

• Attempting repairs yourself, especially on a wet or unstable roof

• Accepting the first insurance settlement without understanding your full damage

A trusted local contractor protects you from short-term fixes and long-term regrets.

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Step 5: Get a Full Structural & Moisture Inspection

Even after the visible debris is cleared, the damage may go deeper than you think.
Water intrusion and impact can compromise:

• Roof decking

• Insulation and attic beams

• Structural joists

• Hidden leaks around flashing and chimneys

That’s why we offer a comprehensive roof inspection after storm events — complete with thermal imaging and moisture detection.

Schedule Your Inspection Now »

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Step 6: Consider Upgrades During Repair

If the damage affects a large section of your roof, this could be the ideal time to:

• Upgrade to impact-resistant shingles (e.g., GAF Timberline HDZ or Owens Corning Duration)

• Install an ice and water barrier underlayment for extra winter protection

• Improve attic ventilation to prevent ice dams and mold

Insurance may cover part of the cost — and you’ll boost your home’s protection for the future.

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Conclusion: Fast Action = Long-Term Protection

A tree on your roof is alarming — but with the right steps, it’s manageable. The key is to act quickly, document thoroughly, and work with local experts who know South Jersey’s climate and roofing codes.

With 35+ years of experience, T.A. Hughes Roofing has helped hundreds of homeowners in Swedesboro, Logan Township, Woolwich, and beyond recover from storm damage.

Contact Us Today for Emergency Roof Help »
Serving Burlington, Camden, and Gloucester Counties, NJ

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Frequently Asked Questions (FAQ)

1. What should I do immediately after a tree hits my roof?
Ensure everyone is safe, avoid the damaged area, and contact an emergency roofing contractor to tarp and assess damage.

2. Will insurance cover the tree damage?
Most standard homeowners policies cover damage from fallen trees during a storm, but you’ll need to file promptly and document everything.

3. How soon should I get an inspection?
Within 24–48 hours. Even small delays can lead to mold, water intrusion, or structural compromise.

4. Can I remove the tree myself?
No. Tree removal and roof access can be extremely dangerous. Only hire certified arborists or contractors.

5. Do I need a full roof replacement?
Not always. If damage is localized, a repair may suffice. A professional inspection will determine the best path forward.