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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.

Yes, cutting a tree's roots can cause it to fall, particularly if major support roots are severed. In extreme cases, trimming roots can affect the tree's structure and stability. Many crucial roots are located just below the soil's surface. If you make severe cuts to roots more than 2 inches in diameter, you risk impacting the tree's water flow and its ability to withstand severe winds or storms. Even cutting roots less than half an inch in diameter under or outside the tree's canopy can cut off its water supply, causing it to decline, die, and eventually topple.

Whether you grind or dig up and remove your tree stump depends on your landscaping goals. Using a stump grinder leaves the root system in place for it to decompose over time, whereas digging up the tree stump removes the roots and the stump. Overall, stump grinding is a far simpler process since you won’t need to deal with the roots. Stump removal will make your yard look like a demolition site, but you’ll have an easier time replanting in the same place as your former tree.

For trimming trees, your best tool is a pair of pruning shears or loppers. Both options work best for branches that are under 3 inches in diameter. Trimming trees with a larger diameter may require a robust tool like a small chainsaw or a handsaw, so take into account your tree’s diameter when deciding between tools.