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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.

Steer clear of the area and contact your utility company immediately. It will have a website portal and/or a phone number to report downed trees and electrical issues. If the tree appears to be on public land, you may want to call your local government and report the issue there, too.

Trees should be pruned every two to five years, depending on its age and type. Young trees should be inspected and pruned every two to three years. Mature trees should be inspected and trimmed every three to five years, and fruit trees should be pruned annually with a careful eye on seasonal growth. Evergreens typically don’t need pruning, unless branches or limbs are damaged, diseased, or harboring pests.