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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.

Your neighbor is not in a good position to know if your trees are truly dead or pose any kind of danger. That’s why hiring an arborist or tree service expert can be such an important part of the process. If the trees are still alive and don’t pose any threat, you’re in the clear (but you may want to document and photograph everything in case events turn sour down the road).

But if a tree is visibly dead and near the property line, you should remove it to be safe. If a dead tree falls on a neighbor’s property, they may have grounds to sue for negligence. If any branches on trees have died, it’s a good idea to cut them back for similar reasons.

A standard tree removal doesn’t include stump grinding. If you want your contractor to remove your tree and grind the stump, you must pay an extra charge. That said, you’ll likely save on the cost of stand-alone service—especially if it’s a small tree and they can finish both jobs in a single trip.

Sometimes, knowing when you need tree-trimming services is straightforward, and other times, you have to do some investigating. Some tell-tale signs that you should have your tree trimmed include:

• A poorly-formed tree with unruly branches, which makes the tree appear odd-shaped. 

• A tree with tall or large branches that interfere with power lines or your home’s exterior.

• A tree that provides too much shade in the yard due to branch overgrowth.