After the Storm: A Homeowner's Checklist for Damaged Trees

A storm just tore through and there's a tree on the fence, a limb on the roof and another one leaning. Here's what to do, in order.

Tree Care5 min readOct 6, 2026By Goliath Land Management

Thunderstorms, nor'easters and the remnants of tropical storms regularly bring down trees across Harford and Baltimore County. When it happens on your property, here's how to handle it safely and smartly.

1. Safety first

  • Stay away from downed or sagging power lines and anything touching them. Assume every line is live.
  • Call your electric utility (BGE in most of our area) to report lines down. If anyone is hurt or in danger, call 911.
  • Don't walk under hanging limbs or near leaning trees. They can come down without warning.

2. Document everything

Before anything is moved, take photos and video of the damage from several angles, including any damage to your house, vehicles, fences or outbuildings. Your homeowner's insurance company will want them.

3. Call your insurance company

Coverage for tree removal varies. Many policies cover removal when a tree damages a covered structure, but not when it simply falls in the yard. Ask before you assume.

4. Don't hire the first truck that knocks

Storms bring out-of-town crews and opportunists. Before hiring anyone:

  • Ask for their Maryland Licensed Tree Expert number. Tree work for hire in Maryland requires one.
  • Ask for proof of liability insurance.
  • Get the scope and price in writing.
  • Be wary of anyone demanding large cash payments up front.

5. Get the standing trees checked

The trees that didn't fall may be damaged too: cracked unions, loosened roots, split trunks. An ISA Certified Arborist can tell you which survivors are safe and which are next.

6. Clean up and replant

Once the hazards are handled, we can clear debris, grind stumps and regrade disturbed ground. Call or text 443-619-9161 for storm-damaged tree removal.

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