Start here

Quick, low-risk steps

  1. Keep everyone away from the tree and any downed lines.
  2. Call 911 if the tree threatens people, structures, or roads.
  3. Call the utility if any part of the tree touches a power line.
  4. Photograph the damage from a safe distance for insurance.
  5. Contact a certified arborist for a risk assessment.
  6. Check with the City of Tampa for any required tree permits.

Assess the Danger First

After a storm, your first job is to check for immediate hazards. Look for trees or limbs that have fallen on structures, block roads, or are hanging overhead. If you see any wires touching the tree, assume they are live and stay far away.

A tree may look stable but have internal cracks or root damage. Only a professional arborist can safely evaluate this. Do not climb the tree or try to pull down hanging limbs yourself.

  • Watch for leaning trunks or lifted soil at the base.
  • Listen for cracking or creaking sounds.
  • Check if the tree is blocking a public road or sidewalk.
  • Note any smell of gas or visible sparks.

Who to Call and When

If the tree poses an immediate threat to people, a home, or a public way, call 911. For trees touching power lines, call your electric utility. They will handle the line safety before any tree work can begin.

Once immediate dangers are addressed, contact a certified arborist. They can determine if the tree can be saved or needs removal. Ask if they carry liability insurance and workers' compensation.

  • 911 for life-threatening emergencies.
  • Utility company for any wire contact.
  • City of Tampa for blocked streets or public trees.
  • ISA Certified Arborist for a detailed risk assessment.

Document for Insurance

Take clear photos and videos of the damage from a safe distance. Capture the whole tree, any property damage, and the surrounding area. This evidence can help with an insurance claim.

Contact your insurance company to report the damage. They can explain what your policy covers. Do not start repairs or removal until you have documented everything and spoken with your adjuster.

  • Photograph from multiple angles.
  • Include close-ups of broken limbs and root plates.
  • Keep a written log of all calls and visits.
  • Ask your insurer about coverage for tree removal.

Getting Professional Help

Hire a tree service with certified arborists on staff. They should follow OSHA safety standards for tree work. Get a written estimate that includes cleanup, debris removal, and any stump grinding.

Before work starts, confirm that the company will handle permits if needed. In Tampa, certain tree removals require a permit. The arborist can help you understand the rules and submit the application.

  • Verify ISA certification and insurance.
  • Get a detailed scope of work in writing.
  • Ask about their storm-damage experience.
  • Ensure they call 811 before any digging.

Take this with you

Evidence and scope checklist

  • Is any part of the tree touching a power line?
  • Is the tree blocking a road, driveway, or sidewalk?
  • Are there hanging limbs that could fall?
  • Has the tree uprooted or is the root plate lifting?
  • Is there damage to a house, fence, or other structure?
  • Do you have clear photos of all damage?
  • Have you contacted your insurance company?
  • Will the tree work require a city permit?
  • Does the arborist have ISA certification and insurance?
  • Will the crew need to use a crane or climb?
Open the interactive private worksheet →

Common questions

What homeowners ask next

Can I remove a storm-damaged tree myself?

It is not safe for a homeowner to remove large limbs or trees, especially after a storm. Hidden tension, unstable footing, and power lines create deadly risks. Always hire a professional.

Does homeowners insurance cover storm-damaged tree removal?

Coverage varies by policy. Generally, if the tree hits a covered structure, removal may be covered. Check your policy and talk to your agent. Document everything before cleanup.

Do I need a permit to remove a storm-damaged tree in Tampa?

The City of Tampa requires permits for certain tree removals, even after storms. Check the current rules on the city's website or ask your arborist. Emergency situations may have different rules.

Evidence

Sources used for this guide

Research checked July 31, 2026

Optional next step

Need an on-site professional?

Use the guide and worksheet first so you can describe the situation and compare the full scope. A referral is optional; you can also contact a licensed local provider directly.

Referral matching is not enabled yet.

We have not enabled a provider route for this site. Use the checklist to contact and verify local providers yourself; urgent hazards should go to the appropriate emergency or public service.