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Hazard insurance is the part of your overall homeowner's insurance policy that covers the structure of your home and other structures on your property, as well as any personal property within those structures. When a lender requires you to get hazard insurance for your new home purchase, they’re referring to a standard homeowner’s insurance policy.

Burning a single palm tree stump, if you’re careful, is technically doable DIY. However, you should always take precautions to control the fire and do research if you’re burning multiple types of trees. 

Some trees, such as ornamental trees, black cherry, and some oak trees, release toxins into the air when burned that can be irritating to your lungs (or even dangerous) to breathe in.

Just about anything that can damage your roof can damage a solar panel. It’s common for panels to sustain damage from hail or falling branches. Critters can chew through the wires. Snow and heavy rainfall can cause additional wear, along with extreme temperatures, which can degrade or stress the individual components. Even the UV rays that create electricity slowly damage your panel over time.

Depending on the amount of soot present, you can vacuum some of it using a brush attachment on your vacuum cleaner. Then, remove the leftovers with a mild cleaner, such as dish soap or vinegar mixed with water. Before applying a cleaning solution, saturate the bricks with clean water to prevent the cleaner from penetrating beyond the surface and causing structural damage to the bricks.