Get matched with top tree service pros in Scandia, MN

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.

Your neighbor is not in a good position to know if your trees are truly dead or pose any kind of danger. That’s why hiring an arborist or tree service expert can be such an important part of the process. If the trees are still alive and don’t pose any threat, you’re in the clear (but you may want to document and photograph everything in case events turn sour down the road).

But if a tree is visibly dead and near the property line, you should remove it to be safe. If a dead tree falls on a neighbor’s property, they may have grounds to sue for negligence. If any branches on trees have died, it’s a good idea to cut them back for similar reasons.

Unless there’s some sort of rule in your community’s homeowners’ association that requires you to remove a stump, there’s no law that says you have to take it out. If you’re not wedded to the idea of removing it, there are plenty of ways to get creative with this tree remnant. Using the stump as the medium for a wood carving or turning it into a planter are just two examples of ways to repurpose a tree stump.

You may need permission to take a tree down. Check with your local ordinances about rules regarding tree removal and to gain any necessary permits. Check with your local ordinances or the fire department if you plan to burn the stump. Make sure you have all the steps in place before removing the tree, or contact a local tree removal service.