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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.

If the roots are still alive, the dead tree will usually try to put out new shoots. That doesn’t mean the tree will survive or that the dead parts of a tree will come back to life. If parts of the tree have died and turned gray or rotten, nothing will bring them back to life and they need to be safely removed.

You should avoid cutting off the top of mature cherry trees. This process is called tree topping, and it’s not recommended for cherry trees—or any trees, for that matter. Tree topping removes between one-third to half of the length of the tree trunk, resulting in structurally unsound, fruitless suckers. The only exception is for saplings. Young pie, sour, and tart cherry trees that are over 30 inches tall in the fall or winter before the tree blooms can benefit from heading cuts.

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.