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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.

If you have a strong back and a lot of patience, you can dig out a tree stump. You'll need to use a pointed shovel to dig out the soil around the stump, cutting away roots with a pair of clippers as you go. You’ve removed enough soil when you can access the taproot at the bottom of the root ball. After you cut that major artery with a saw or loppers, you should be able to roll the stump over and haul it away.

Lilac roots are typically not destructive, but they can be a nuisance. Lilac roots can extend 15 feet in all directions of your garden. Therefore, the roots can reach water and sewer lines in search of moisture and nutrients if you’ve planted them too close. Yet, the lilac roots aren’t likely to cause any damage to water or sewer lines. Instead, the roots will overtake the area. 

Yes, you can build over a stump if the roots are no longer alive. Living roots will continue to grow and may damage your new construction over time. Similarly, you should also remove rotting stumps because they may continue to attract pests and even cause new structures (especially those made from wood) to decompose as well.