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Any cutting of tree roots can hurt or kill a tree, which is why it's recommended you don’t do it unless the roots are damaging or invasive on a nearby structure like your home. You should never cut more than 15 percent of above-ground tree roots at one time. If you have any questions about cutting tree roots, contact your local arborist.

Coverage varies quite a bit by policy, but most homeowners' insurance policies will cover $500 to $1,000 of the cost of removing a tree. Additionally, if your tree causes damage to your property, like your house, many policies will cover some or all of the costs to repair the damage, depending on why the tree fell.

Carefully pruning small roots no thicker than three inches in diameter won’t harm the tree. However, cutting larger roots may impact the tree's stability and nutrient absorption. It's advisable to consult an arborist or tree care professional to evaluate the root's size, the tree's health, and the potential impact of cutting. Proper tree pruning techniques and timing can minimize damage, but larger root removal may necessitate expert guidance to avoid compromising the tree's overall health and stability.

In most cases, hiring a tree surgeon or arborist is very often worth the investment. Arborists have education and certifications that standard tree removal companies usually don’t, leading to overall better and more professional service. Tree removal is safer with an arborist, especially if the tree you’re taking down is diseased or infested. Stump grinding is done to a safe depth that won’t cause your lawn to collapse over time, and other services are all backed by greater experience and expertise. If you want truly expert-level service, opt for an arborist.