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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.

Late winter is ideal, but if you’re pruning apple trees in the spring, prune them as early as possible in the season. You want to ensure your tree is just creeping out of dormancy and hasn’t started pushing out new growth. If you prune your tree too late into spring, you generally won’t see results until the following year.

That said, there’s no pruning season for unhealthy growth. Remove dead, dying, or diseased branches as soon as you notice them, regardless of the time of year.

The speed of your tree root removal process depends on a few different factors, including the size and type of tree. However, the fastest method of killing tree roots is applying chemical herbicide, which starts working quickly and efficiently. But this removal method has its drawbacks, such as having a negative effect on the surrounding vegetation and landscaping. Other options like rock salt and stump grinding work relatively quickly and cause less damage to your yard.

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.