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Common signs that a tree is rotting include dead branches, a leaning trunk, peeling or cracked bark, leaf discoloration, and the presence of fungi. If you notice any of these signs, it’s best to hire an arborist near you to inspect your tree and determine if it can be saved or if it needs to come down.

It is possible to cut down a tree on your property yourself, but it is generally not recommended unless specific conditions are met. You should only consider this project if the tree is small (e.g., under 4-5 inches in diameter and short enough that you don't need a ladder to reach the branches), and you are experienced in handling a chainsaw. The tree must also be located far from any power lines, fences, homes, or other structures. Even for small trees, the work can be dangerous, and it's always advisable to have a spotter to ensure the tree falls correctly and no branches fall on you.

For any tree that is large, requires a ladder to access, or is near electrical lines or structures, you should always hire a professional. Attempting to remove a large tree yourself is extremely dangerous, poses a risk of serious injury, and could result in significant damage to your property.

Before any tree removal, it's also important to check your local and state regulations to ensure the tree is not historic or otherwise protected by your city.

Consumers typically do not need to worry about the cost of tree insurance, as professional tree service companies pay for their own coverage. For a tree service business, an average U.S. policy covering about $1 million in general liability costs roughly $40 a month or $500 a year. More extensive policies, providing between $500,000 to $2 million in coverage, can cost between $3,000 and $6,000 annually, depending on the company's size and scope of work. Tree service professionals should speak with an insurance company to determine the right plan for their business.

Since overwatering can harm mature trees just as much as a lack of water, it’s important to know the signs of an overwatered tree. If your tree’s leaves are yellowing, wilting, or dropping leaves, it’s likely that you’re overwatering. Other common signs include rotting, fungi, soggy soil, soft or peeling bark, falling leaves, and brittle roots. 

If you realize that you’ve been overwatering your mature tree, stop watering and give the soil time to dry out. Then moving forward, increase time between watering sessions.