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Arborists 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.

Whether you grind or dig up and remove your tree stump depends on your landscaping goals. Using a stump grinder leaves the root system in place for it to decompose over time, whereas digging up the tree stump removes the roots and the stump. Overall, stump grinding is a far simpler process since you won’t need to deal with the roots. Stump removal will make your yard look like a demolition site, but you’ll have an easier time replanting in the same place as your former tree.

It will take you anywhere from 15 minutes to two hours per tree stump to grind and remove the stump from the ground. The larger the size, the longer it will take to remove the stump. Also, keep in mind that rocky soil may require local excavation services to loosen up large boulders before you can begin to remove the tree stump.

As a general rule, the protected area should be about 1½ times as wide as the canopy of the tree’s leaves. This digging measurement can vary by tree species and the age of the tree. Of course, that can be a lot of fencing for larger trees, which is why our first step is about making difficult decisions on which trees to save.

Palm trees will not regrow from a stump once the tree has been cut down. This type of tree is unique because the root and stump system will slowly decay after the tree is gone, unlike other species that can regrow. That’s why it’s preferable to remove dead or decaying palm tree stumps quickly as they can become an eyesore and don’t offer future growing potential.

The Clearwater, NE homeowners’ guide to arboricultural services

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