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A few signs a tree may be dead is if the leaves are dead and there are no signs of new blooms. You can also perform a scratch test on some of the branches to check the condition of the cambium layer beneath the bark.

If it is green, it is still alive, but if several are dry, brittle, and brown, the tree may be dying or dead. Always consult an arborist before assuming your tree is dead because you may be able to save it.

Often, it’s the homeowner’s responsibility to handle the aftermath when a neighbor’s tree falls on their property. But if a tree has been obviously dead for a significant period of time and caused damage when it fell, a case can be made that the owner should have removed it, especially if the neighbor wrote you a letter about the tree or asked you to take it down. This can be grounds for a successful lawsuit in claims court and is a good reason to always pay attention to your trees and remove dead trees before they fall.

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.

No, you cannot throw branches from your neighbor’s tree back into their yard, nor can you discard leaves or other plant matter that originated from their yard back over there if it happens to land in your yard. You are responsible for cleaning up plant matter that made its way into your yard.