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Completely topping a plum tree is a risky business. Cut too much, and you’ll kill your tree. That said, you do need to trim the top of your tree to encourage bushy growth, maintain your tree’s vase shape, and limit size. 

A plum tree's central leader (or trunk) should never extend more than 3 feet above the highest branch. When you first plant your tree, cut the central leader so it’s 2 to 3 feet tall. As it grows, cut it back 12 to 20 inches until it reaches its desired height. Never prune more than one-third of the new growth.

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.

Trees don’t usually grow back after being cut down. Some particularly robust tree species may start sending up new stems from a stump to recover, but those stems won’t become a “tree” like before. Generally, trees don’t recover from being entirely cut down, which is why it’s important to be careful when making a decision. When you cut down a tree, it’s a good idea to make plans to remove the stump, even if it’s unlikely to grow back.

Palm trees are unique in that their roots don't grow straight down; they grow horizontally. Typically, palm tree roots go down between 12 and 36 inches deep. The roots grow far and wide from the base of the palm tree to absorb as much water and soil nutrients as possible. In addition, the horizontal roots are also very strong—keeping palm trees stable and helping them sway during storms.