Get matched with top tree service pros in Osage, IA

You should plant trees at least 15 to 20 feet away from your house, and more if the tree will grow large and spread its limbs. Trees pose several dangers to houses when planted too close. They can litter the roof with leaves and branches, create fire hazards, make a ladder for larger pests, and even damage the foundation as their roots grow.

In most cases, your neighbor is responsible for roots from their tree that cause damage to your property. If your pavement, the foundation of your home, or a fence is damaged by roots from a neighbor’s tree, you likely will have legal recourse for financial relief. While it’s better to notify your neighbor of any problems you notice as soon as they arise to avoid costly damage, there are some instances where filing a civil suit is your only recourse. Your homeowner’s insurance company might wish to do so on your behalf if you file a claim.

Homeowners are usually not responsible for trees that fall on power lines. Power companies usually have utility easements around power lines, which give them the responsibility to maintain any trees within about 15 to 20 feet of the lines.

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.