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A tree growing close to a house can pose several risks, but removal isn't always the only or best solution. Potential problems include roots growing into the foundation and causing structural cracks, branches damaging the roof or promoting moss growth, and debris clogging gutters, which can lead to water damage. Trees can also provide access for pests and encourage mold. However, a small, healthy tree may not be a problem, and for larger, established trees, strategic trimming can be a cheaper and more beneficial alternative to removal. It is generally recommended to take action for trees within 10 to 20 feet of your home, especially if they are unhealthy or encroaching. Your best bet is to consult a professional arborist who can assess the specific situation and provide expert advice.

Surface-level tree roots might only pose a small threat, such as being a tripping hazard or obstacle when you mow your lawn. But if mature tree roots start growing in the direction of your home’s foundation or plumbing system, it could be a real problem. Cutting small tree roots out before they grow too large can keep your home safe without removing the whole tree.

Generally, you should prune around 20% of an apple tree’s growth—and never more than 30%. This means that if you have a severely overgrown tree, it can take a few seasons to prune it back enough to produce the healthiest fruit. 

If you’re dealing with a newly planted or juvenile tree, hold off on pruning beyond the initial shaping. Wait at least a couple of seasons into fruit production since pruning can increase the number of water sprouts and unproductive foliage.

Cutting down a dead tree is always strongly advisable. Aside from being an eyesore, a dead tree can be extremely hazardous, especially when it’s near people or structures. Even if the tree isn’t near your home, it can still harbor pests and diseases that can potentially spread to nearby plants and homes.