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Consumers typically do not need to worry about the cost of tree insurance, as professional tree service companies pay for their own coverage. For a tree service business, an average U.S. policy covering about $1 million in general liability costs roughly $40 a month or $500 a year. More extensive policies, providing between $500,000 to $2 million in coverage, can cost between $3,000 and $6,000 annually, depending on the company's size and scope of work. Tree service professionals should speak with an insurance company to determine the right plan for their business.

A serrated knife will work for cutting off small palm tree fronds, about 1 inch in diameter. For larger fronds, you will need pruning shears. You may also use a pruning saw, and if your palm tree is especially tall, an extended pole saw can help you reach the brown fronds around the trunk.

Late winter is ideal, but if you’re pruning apple trees in the spring, prune them as early as possible in the season. You want to ensure your tree is just creeping out of dormancy and hasn’t started pushing out new growth. If you prune your tree too late into spring, you generally won’t see results until the following year.

That said, there’s no pruning season for unhealthy growth. Remove dead, dying, or diseased branches as soon as you notice them, regardless of the time of year.

Often, it’s the homeowner’s responsibility to handle the aftermath when a neighbor’s tree falls on their property. But if a tree has been obviously dead for a significant period of time and caused damage when it fell, a case can be made that the owner should have removed it, especially if the neighbor wrote you a letter about the tree or asked you to take it down. This can be grounds for a successful lawsuit in claims court and is a good reason to always pay attention to your trees and remove dead trees before they fall.