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If you don’t trim your palm trees, you can expect several negative outcomes, including:

• Unhealthy palm trees attract pests, diseases, and fungi 

• Dead falling fronds can cause severe injury or damage to your home, pedestrians, or cars

• Dead palm branches are flammable and can catch fire, especially during a lightning storm

Generally, no, tree topping isn’t a good technique, and you should avoid using it in most cases. Tree topping may be the only good option to save a tree following severe damage after a storm, but in most other cases, it’s not the right choice. Tree topping can leave trees vulnerable to disease and further damage, and most pros will suggest against it.

No, homeowners insurance typically does not cover the cost of removing a dead, sick, or rotting tree that is still standing. Insurance is designed to protect against sudden and unexpected accidents, whereas a tree dying or rotting over time is considered a maintenance issue. Coverage usually only applies after a tree has fallen and caused damage to your property.

In most ways, palm trees are incredibly low-maintenance. They don’t need a ton of water—which is why they’re so beloved in desert regions—and they basically prune themselves. But they do need an ample supply of sunlight and to be in soil that will allow for proper drainage so that their roots don’t become waterlogged and at risk of developing illnesses.

If the plant begins to wilt, develop spots, or change color, these could all be signs that your palm tree has a disease. But a few basic treatments, like pruning and applying fungicide, will usually be more than enough to return it to perfect health.