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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.

It could be anywhere from weeks to years for a dead tree to fall. A dead tree falls based on its weight, how it leans, the state of its roots, the state of decay, and what local windstorms are like, among other factors. Since it’s hard to predict the fall’s timing, it’s important to cut down a dead tree quickly and avoid any unpleasant surprises.

Whether tree roots will continue to grow after a tree has been cut down depends on the species. Some tree roots will eventually die because they can no longer get nutrients through photosynthesis. However, other species that reproduce through root sprouts can continue to grow and produce new sprouts for seven years or more. For example, the roots of elms, ficus, and willows tend to regrow aggressively, while the roots of pines, oaks, and maples will typically die. To determine if a root system is still active, look for new sprouts on the old trunk, stump, or any exposed roots.

Trees that flower in the spring—like dogwood, cherry, magnolia, and pear—should not be pruned during the winter. These spring-flowering plants grow buds on old growth, so you’ll actually remove what would’ve been gorgeous flowering foliage. Instead, wait to prune until right after they bloom, when the flowers fade.