SAFETY FIRST · AURORA

Homeowners insurance and fallen trees

A checklist for documenting a fallen tree and reviewing your own insurance policy and claim process.

THE AURORA FIELD GUIDE

AT A GLANCE

Keep people clear of damaged trees and lines first. Contact the utility or emergency authority for electrical and immediate life-safety hazards.

PAUSE AND CHECK SAFETY

Keep clear of unstable limbs and electrical lines.

Downed or threatened power lines belong with the utility or emergency authority. For other hazards, document conditions only from a safe place.

ComEd reporting ↗
01

Coverage depends on the policy

Whether removal or property damage is covered depends on policy terms, cause of loss and the facts of the claim. This website does not interpret coverage or act as an insurance professional.

02

Document and contact the insurer

When it is safe, photograph the damage and keep records of emergency mitigation. Ask your insurer what documentation is needed before nonurgent cleanup.

BEFORE YOU DECIDE

Ask for a written scope.

Confirm what work is included, who handles debris, and whether permit or utility coordination applies. Compare provider credentials and availability directly.

YOUR NEXT STEP

Start with the right situation

Choose the guide that fits your tree concern, then use its checklist when speaking with a provider.

Explore tree situations
Independent referral guide. Participating independent providers perform any tree work. Read the disclosure.