How to Document Tree Damage for Insurance in Calgary?

When a storm hits Calgary, tree damage is often one of the first things homeowners notice, and in many cases, one of the most expensive to deal with. From smashed fences to blocked driveways and even damaged roofs, fallen branches and uprooted trees can cause significant problems. Fortunately, homeowners' insurance may cover some of these costs, but only if the damage is properly documented.

If you live in Calgary and need to submit a tree damage claim, here's how to do it the right way. Evergreen LTD has worked with hundreds of local homeowners and insurance providers, and we’ve outlined the essential steps to help you document tree damage effectively and increase your chance of a successful claim.

1. Know What Your Insurance Will and Won’t Cover

Before gathering documents and photos, it’s important to understand what your insurance policy typically includes. In Alberta, most standard homeowners' insurance policies do cover tree-related damage, but not always in full.

Generally covered:

• Tree damage to insured structures (home, garage, fences)

• Emergency removal if the tree blocks access (e.g., driveway, wheelchair ramp)

• Liability if your tree damages a neighbor’s property and you're proven negligent

Typically not covered:

• Removal of trees that didn’t damage structures or block access

• Replacement value of the tree (unless you have an extended policy or rider)

Tip: Contact your provider early to confirm specific coverage. Delays can affect your payout.

2. Prioritize Safety First

If a tree has fallen during a windstorm, do not attempt to remove it yourself, especially if it’s near power lines or leaning against a building.

Immediately:

• Contact ENMAX or 9-1-1 if live wires are involved

• Call 311 if a City-owned boulevard tree is damaged

• Stay clear of large, unstable branches

City of Calgary bylaws prohibit residents from removing or pruning public trees. Let trained professionals handle this.

Need an emergency tree assessment? Evergreen LTD provides emergency storm damage response across Calgary.

3. Contact Your Insurance Provider Promptly

Call your insurance company as soon as possible. Many insurers have a 24–48-hour window to report storm-related damage. The quicker you initiate the claim, the faster they can dispatch an adjuster, or advise you on documentation requirements.

Ask your insurer:

• Is an adjuster being sent?

• What documentation do you need?

• Will they reimburse arborist reports or emergency removal?

Record the date, time, and who you spoke with, this may be important later.

4. How to Document Tree Damage Properly

This is the most important step. Good documentation supports your claim and prevents delays.

a. Take Photos and Videos Immediately

Capture:

• Wide-angle shots showing the entire tree and affected area

• Close-ups of damage to roofs, fences, windows, vehicles

• Obstruction images (e.g., blocked driveways or sidewalks)

• Before-and-after shots if available

• Time-stamped files if possible

b. Get a Certified Arborist Report

Some insurers require proof that the tree was healthy before the event. An ISA-certified arborist can:

• Inspect the tree for disease, rot, or storm-related failure

• Provide a written report for insurance records

• Estimate replacement or removal costs

c. Keep All Receipts

Hold on to receipts for:

• Emergency tree removal

• Temporary tarps or protective repairs

• Cleanup services or dumpster rentals

Be sure to separate emergency expenses from routine maintenance.

d. Log Communication

Track all communication:

• Who you spoke to (name, title)

• Time and date of each call

• Summaries of what was said

• Save emails, claim forms, and any documents submitted

5. What If It’s a Neighbor’s Tree?

If a tree from your neighbor’s yard damages your property, things get complicated. According to Alberta law:

• If the tree was healthy and fell due to a storm, you may be responsible for your own damage

• If the tree was dead or hazardous, and you previously reported concerns, the neighbor could be held liable

Tip: Keep written records of past complaints, and report dangerous trees through Calgary’s 311 system. This helps establish negligence if needed.

6. What If It’s a City Tree?

If a City of Calgary-owned tree causes damage, your claim must go through the City's Risk Management Department, not your private insurer.

Submit:

• Photos and videos

• A written statement of the incident

• Copies of receipts or quotes

You can file online at calgary.ca, or submit by mail.

Need help navigating city claims? Evergreen LTD can guide you through the process.

Final Thoughts: Be Proactive, Be Thorough

In Calgary, where sudden storms and wet snow can bring down even healthy trees, being prepared makes all the difference. Whether you're dealing with minor damage or a major claim, thorough documentation is your best tool.

At Evergreen LTD, we’ve helped homeowners and businesses across Calgary document, remove, and report tree damage quickly and professionally. Our ISA-certified arborists are experienced with insurance requirements and provide the expert insight adjusters often need.

Need help documenting tree damage after a storm? Contact Evergreen LTD today to schedule your assessment.