Do I need a tree service as well as a roofer?
Often, yes. Removing a fallen tree or limb from the house is a separate job from fixing the roof, and the tree work should be finished before the roof work starts.
A tree service has the saws, the rigging and the equipment to remove heavy wood safely. A roof crew is not set up to do that, and a limb that is still under strain can shift as soon as it is cut near the roofline.
Ask the roofing technician to confirm which items are included in the estimate, and to say what has to be done by someone else first. That keeps the sequence clear and stops work from starting on a roof that is still under load.
How do I know if the framing is damaged?
A tree impact can crack or move framing even when the roof looks only dented. The attic check is where this shows up first.
Signs to look for include a sagging ceiling, a gap between the wall and the roofline, cracked drywall in a line, and doors or windows that have started to stick. Any of these is a reason to have the framing checked before the roof is closed.
The technician measures and photographs anything that looks out of line. A rafter that has split or been bent needs to be repaired or supported, and that work is noted separately in the estimate.
What moves the price of a tree-damage repair?
The size of the opening, how much framing is broken, the roof's pitch and covering, the access to the damage, and whether the attic needs new work all move the price. The price is explained and approved before work starts.
A small hole in the decking over one room is a much shorter job than a trunk that has broken rafters across a wide area. Steep pitches, tile or metal coverings, and damage that reaches the walls each add time and skill to the work.
The tree removal is a separate cost, and it is priced by the tree service. No figure is given here. The on-site inspection and the written estimate are the real numbers for your house.
Can I cover the hole myself?
Only from a safe position and in dry weather. A fallen tree can still shift, and a wet roof is slippery, so the cover should be placed from the ground or a stable ladder if at all.
Covering the opening is the step the state's storm checklist recommends when it is safe, and the emergency roof tarping page explains how a crew does it. A tarp that is not anchored to sound framing can slide off in the next gust.
If a tree is still touching the roof or the wires, do not attempt the cover at all. Keep everyone away from the area and call for help.
What about insurance for a tree that hit the house?
Your policy and your insurance company decide what is covered. Photograph the tree, the roof and the room below before anything is moved, and do not cut the tree up until the adjuster has seen it if that can safely wait.
The N.C. Department of Justice advises contacting your insurer early, since some insurers need an adjuster to approve work before it begins. It also advises a written estimate before committing and no payment without a written contract.
The insurance claims guide lays out the order of steps after a storm. Keep receipts for any temporary work and every written estimate with your claim papers.