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Coverage varies quite a bit by policy, but most homeowners' insurance policies will cover $500 to $1,000 of the cost of removing a tree. Additionally, if your tree causes damage to your property, like your house, many policies will cover some or all of the costs to repair the damage, depending on why the tree fell.

It is possible to cut down a tree on your property yourself, but it is generally not recommended unless specific conditions are met. You should only consider this project if the tree is small (e.g., under 4-5 inches in diameter and short enough that you don't need a ladder to reach the branches), and you are experienced in handling a chainsaw. The tree must also be located far from any power lines, fences, homes, or other structures. Even for small trees, the work can be dangerous, and it's always advisable to have a spotter to ensure the tree falls correctly and no branches fall on you.

For any tree that is large, requires a ladder to access, or is near electrical lines or structures, you should always hire a professional. Attempting to remove a large tree yourself is extremely dangerous, poses a risk of serious injury, and could result in significant damage to your property.

Before any tree removal, it's also important to check your local and state regulations to ensure the tree is not historic or otherwise protected by your city.

You may be looking to identify maple trees to use for home improvement projects. In that case, you can tell hard maples by looking at their leaves. Leaves will have a U-shaped dip, or sinus, between the points, or lobes, of the leaves. Leaves of soft maples tend to have V-shaped sinuses.

If you already have the cut wood in front of you, look for a light, uniform color to identify hard maple wood and check for variations of red, gray, or brown streaks and an overall darker color in soft maple wood.

Once you confirm a tree is dead, you should remove it. Dead trees eventually fall, and larger trees in particular can cause damage to rooftops, fencing, flowers, and other objects. As we mentioned, letting decayed wood stay in your yard also invites risks to the surrounding landscaping and vegetation.