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Tree Service questions, answered by experts

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.

Once you confirm a tree is dead, you should remove it. Dead trees eventually fall, and larger trees in particular can cause damage to rooftops, fencing, flowers, and other objects. As we mentioned, letting decayed wood stay in your yard also invites risks to the surrounding landscaping and vegetation.

Tree roots can take weeks to years to die, depending on the method you use. Chemical herbicides take the least amount of time—typically between three and four weeks—while homemade methods, like covering an old stump with leaves, could take between seven and eight years. If you’re unsure which method to use or how quickly you need to act, consulting with a pro is always a good idea.

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.

Since overwatering can harm mature trees just as much as a lack of water, it’s important to know the signs of an overwatered tree. If your tree’s leaves are yellowing, wilting, or dropping leaves, it’s likely that you’re overwatering. Other common signs include rotting, fungi, soggy soil, soft or peeling bark, falling leaves, and brittle roots. 

If you realize that you’ve been overwatering your mature tree, stop watering and give the soil time to dry out. Then moving forward, increase time between watering sessions. 

The Albion, NE homeowners’ guide to tree services

From average costs to expert advice, get all the answers you need to get your job done.