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Tree Service questions, answered by experts

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.

The best tools for tree removal include a chainsaw for large trees, an ax for notching and cutting down small trees, and a wedge to help control the direction a tree falls in. A hatchet can be useful for very small trees, but won’t be effective for medium to large trees. 

Tree experts don’t advise against digging through tree roots, but instead encourage caution and consultation with a local arborist to make sure you don’t damage the tree’s structure or interrupt its water or nutrient intake. An arborist can recommend specific practices when digging and help prune the roots or dig a trench for utilities with a tool that can remove soil without touching the tree’s roots.

Tree removal can be quite expensive, especially for larger projects, but you can use the following tips to help keep costs down:

  • Do the yard cleanup afterward yourself

  • Choose to leave the logs on your property and split them yourself

  • Opt to leave the stump in the ground and tackle stump grinding yourself

  • Pull permits for tree removal, if necessary, to avoid fines

  • Pay to have multiple trees removed at once

  • Remove tree in the late winter or early spring during off-season

The best time to cut down a tree is during its dormant season, typically in winter or early spring, after all the leaves have fallen. Removing a tree during this period is advantageous for several reasons. Frozen ground helps secure the tree stump, protects the surrounding landscape from damage, and reduces the risk of the tree falling in an unintended direction. With the leaves gone, there is less risk of the tree's foliage getting tangled with other trees. Additionally, since this is often a slower season for tree services, you may be able to hire a professional at a lower rate. This dormant period is also the best time for tree trimming.

The Higbee, MO homeowners’ guide to tree services

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