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Coverage varies quite a bit by policy, but most homeowners' insurance policies will cover $500 to $1,000 of the cost of removing a tree. Additionally, if your tree causes damage to your property, like your house, many policies will cover some or all of the costs to repair the damage, depending on why the tree fell.

It could be anywhere from weeks to years for a dead tree to fall. A dead tree falls based on its weight, how it leans, the state of its roots, the state of decay, and what local windstorms are like, among other factors. Since it’s hard to predict the fall’s timing, it’s important to cut down a dead tree quickly and avoid any unpleasant surprises.

Bradford pear trees bloom in early spring with small white flowers. They typically flower for at least two weeks. In bloom, these trees often emit a foul-smelling odor that’s often compared to rotting fish. Bradford pear trees will sometimes bloom in the fall due to drought or other stress-inducing conditions. 

It is possible to burn out a tree stump if it is dried out and in an area of your property with a large buffer. Drill holes in the stump and dig around the base so it burns more easily. Then, build a small campfire on top using kindling and firewood. You’ll need enough to keep the fire going for many hours to completely burn out the stump, especially if it’s large. 

Monitor the fire closely to ensure it doesn’t spread, and have a hose on hand if it starts to get out of control. When the fire is out, break apart the burned stump and dig out what’s left of it.  

If this sounds like a good option, learn more about how to burn a tree stump before attempting it, as it does come with risks.