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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.

The best tool to cut trees is a chain saw. You can adjust your chain saw to the correct size based on the size of the branches, offering you the fastest and cleanest cut for medium- to large-sized trees. Depending on the type of chainsaw you use, you can cut through larger trees than you would with a more manual tool like an ax.

The fastest ways to remove a tree stump are by grinding it or burning it.

Stump grinding is often the quickest method, with professionals able to chip away a stump and its roots within a single session. You have the option to hire a professional stump removal service or rent a stump grinder to do it yourself. However, it's important to note that these machines can be large, difficult to transport, and dangerous to operate without prior experience. For safety reasons, hiring a local arborist or landscape specialist is often recommended.

Burning is another fast option. Before you begin, check your local burn laws. The process involves drilling holes into the stump, filling them with vegetable oil, and waiting 24 to 48 hours. Afterward, you can add charcoal bricks to the surface and light the fire, which must be attended at all times.

For a more affordable but much slower alternative, you can use potassium nitrate pellets to accelerate the natural decomposition process. This method typically takes four to six months.

Aim to have your trees inspected and pruned in early spring. At this point in the year, tree service professionals can note where there is old growth from winter and cut that back to encourage new growth for the rest of the year. Pruning at the wrong time of the year could make your trees prone to diseases.