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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.

A tree can split because of high winds, a change in temperature, or from an infestation or tree disease. All of these factors can overlap, making a single cause difficult to pinpoint. While winter storms are some of the most common causes for a tree to split, it can also happen because of termites or rot.

Only trim palm trees as needed, which is usually about once per year. However, don't stick to that schedule if the palm tree doesn't need it. Avoid trimming palm trees when possible. It’s best to trim palm trees only when you notice a buildup of dead fronds. That said, leave the brown fronds during the dormant season because this organic matter helps protect the tree from the cooler weather.

Sudden oak death and oak wilt are different diseases. Oak wilt first shows up in tree leaves while sudden oak death affects the branches and trunk. However, as symptoms in both can overlap, it’s best to consult a professional arborist tree expert for a proper diagnosis and development of a treatment plan.