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Pruning can impact cold hardiness—but it’s less about the exact temperature and more about temperature variation. Generally, you don’t want to prune trees when there’s a risk of temperatures suddenly dropping from 50 to 60 degrees Fahrenheit to 0 degrees Fahrenheit or below. A tree is most sensitive until 48 hours after it’s pruned.

Pruning trees is important for several reasons. It improves tree health and strength by removing dead, diseased, or unwanted branches, which in turn encourages new growth and can help treat disease. For fruit trees, proper pruning can lead to a larger and better-quality harvest. Pruning also enhances safety by removing weak limbs that could break and fall, potentially causing injury or property damage, especially during storms. Beyond these functional benefits, pruning can also improve a tree's appearance. To ensure pruning is done correctly for the tree's long-term health, consider hiring a professional.

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.

Removing tree stumps is a dangerous and complex job that requires a high level of expertise. Many landscapers specialize in general lawn care and maintenance. But, some may have the proper licensing and qualifications needed to safely remove tree stumps. In most cases, though, landscapers will refer you to a local tree removal or stump grinding company.