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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.

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.

Dead tree branches should be removed, because they can cause the tree to lose nutrients. They can also make the tree more susceptible to disease and pests. Removing dead and diseased branches can help the tree recover and increase the odds of saving a dying tree. Make sure to prune the tree correctly to avoid damaging it further.

Tree experts don’t advise against digging through tree roots, but instead encourage caution and consultation with a local arborist to make sure you don’t damage the tree’s structure or interrupt its water or nutrient intake. An arborist can recommend specific practices when digging and help prune the roots or dig a trench for utilities with a tool that can remove soil without touching the tree’s roots.