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During extreme cold snaps like those experienced during Winter Storm Fern, homeowners may witness a surprising and alarming phenomenon known as “exploding trees.” While it may sound dramatic, this is a real event caused by rapid temperature drops, and it can result in serious property damage and safety risks.
Understanding why trees explode, what damage they can cause, and how to protect your insurance claim can help you respond quickly and confidently.
What Are Exploding Trees?
Exploding trees occur when freezing temperatures cause the moisture inside a tree to rapidly freeze and expand. This internal pressure can cause the tree trunk or large limbs to crack suddenly—sometimes with a loud popping or banging sound.
This typically happens when:
- Temperatures drop rapidly below freezing
- Trees contain high moisture levels
- The tree is already stressed, diseased, or weakened
Why Exploding Trees Are Dangerous
When a tree splits or bursts, it can cause:
- Large limbs or sections of the trunk to fall unexpectedly
- Damage to roofs, siding, windows, or fences
- Crushed vehicles or outdoor structures
- Blocked driveways or entryways
- Injury to people or pets nearby
Unlike gradual tree damage, exploding trees often occur without warning, making them especially hazardous.
Signs Your Property May Have Been Affected
After a winter storm, watch for:
- Deep vertical cracks in tree trunks
- Split limbs hanging or resting against structures
- Fresh wood exposure along the trunk
- Debris scattered around your property
Even if a tree hasn’t fully fallen, a cracked or split tree can still pose a serious risk and should be addressed promptly.
What to Do After Tree Damage Occurs
If an exploding tree damages your property:
- Put safety first and stay clear of unstable trees or limbs
- Document all damage with photos and videos
- Avoid removing debris immediately unless necessary for safety
- Keep receipts for emergency tree removal or temporary repairs
Accurate documentation is essential for insurance claims involving storm-related tree damage.
Insurance Claims and Exploding Tree Damage
Insurance companies may attempt to minimize coverage by labeling tree damage as “maintenance-related” or denying the severity of the loss. Using clear descriptions such as “storm-related tree failure” or “winter weather damage” can help ensure your claim is properly evaluated.
How The Morgan Law Group Can Help
Exploding trees can cause sudden, severe property damage—and insurance companies don’t always make the claims process easy. The Morgan Law Group helps homeowners navigate complex property damage claims, challenge unfair denials, and pursue the compensation they deserve.
If Winter Storm Fern caused tree damage to your home, contact The Morgan Law Group today. We advocate for you, protect your rights, and help you recover after unexpected storm damage.
