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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.

Unless there’s some sort of rule in your community’s homeowners’ association that requires you to remove a stump, there’s no law that says you have to take it out. If you’re not wedded to the idea of removing it, there are plenty of ways to get creative with this tree remnant. Using the stump as the medium for a wood carving or turning it into a planter are just two examples of ways to repurpose a tree stump.

Depending on the severity of the damage, a tree might continue healing for years after a split or a break. Saplings can usually bounce back in the spring in one or two seasons, but larger trees might take a few years to regain their former strength. If your tree is showing strong growth and is not dropping limbs, you can consider it healed after the first two seasons.

Planting a palm tree close to your home can provide shade while elevating the beauty of your yard. However, there are a few safety concerns to consider before doing so. You’ll want to opt for a smaller tree with a non-invasive root system. Select a species that won’t grow too tall and choose a planting location that won’t damage your home.