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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.

Maple trees start the growing season by developing small groups of red flowers where the tree's fruit, the samaras, will appear in the coming weeks. Later in spring, the samaras, which many call whirlybirds or similar names, develop into single-winged seed carriers that spin when falling or drifting in the wind. 

You can start your search for a reputable arborist online by looking for professionals who hold the proper licensing and are fully insured. Next, read through some online reviews to see what kind of service the expert brings to the table, and confirm that they don’t have a history of complaints with the Better Business Bureau. Finally, you can ask the professional for a list of references and then call them to ask questions about the service, professionalism, value, and more that the expert brings to the table.

It is possible to cut down a tree on your property yourself, but it is generally not recommended unless specific conditions are met. You should only consider this project if the tree is small (e.g., under 4-5 inches in diameter and short enough that you don't need a ladder to reach the branches), and you are experienced in handling a chainsaw. The tree must also be located far from any power lines, fences, homes, or other structures. Even for small trees, the work can be dangerous, and it's always advisable to have a spotter to ensure the tree falls correctly and no branches fall on you.

For any tree that is large, requires a ladder to access, or is near electrical lines or structures, you should always hire a professional. Attempting to remove a large tree yourself is extremely dangerous, poses a risk of serious injury, and could result in significant damage to your property.

Before any tree removal, it's also important to check your local and state regulations to ensure the tree is not historic or otherwise protected by your city.