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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.

Lightning can cause massive damage, fires, and openings for other threats like bugs or fungal diseases. Barring any large fires or explosions, it’s difficult to tell how much damage a lightning strike has done until after a thorough inspection. Contact local authorities immediately if lightning strikes a tree in your yard and it causes a fire or explosion.

In most cases, you should not use a pruning seal on trees after trimming. Applying a sealant can interfere with the tree's natural healing process, and it does not guarantee protection from pathogens. Instead of sealing the cut, the best practice is to support the tree's natural recovery by providing it with plenty of water and a dormant-style fertilizer. However, there are exceptions. Pruning seals may be recommended for very vulnerable species, like elm trees, in areas where dangerous diseases such as Dutch elm disease are prevalent. In these specific situations, the protection offered by a sealant can outweigh its downsides. For advice tailored to your situation, especially after cutting large branches, it is best to consult a local tree trimming professional.

A chainsaw is the best tool to cut down a tree, but you may also use a handsaw or ax. You may also want to use a lopper or pole saw to remove limbs before cutting down the tree. Wear chainsaw chaps and protective gear, including eyewear and earplugs if you use a chainsaw. Again, if you’re unsure about how to use this tool, this project may be one to skip.