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Arborists questions, answered by experts

A tree growing close to a house can pose several risks, but removal isn't always the only or best solution. Potential problems include roots growing into the foundation and causing structural cracks, branches damaging the roof or promoting moss growth, and debris clogging gutters, which can lead to water damage. Trees can also provide access for pests and encourage mold. However, a small, healthy tree may not be a problem, and for larger, established trees, strategic trimming can be a cheaper and more beneficial alternative to removal. It is generally recommended to take action for trees within 10 to 20 feet of your home, especially if they are unhealthy or encroaching. Your best bet is to consult a professional arborist who can assess the specific situation and provide expert advice.

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.

Unfortunately, if you cut the top off a palm tree, it will die. Instead of budding or branching out, the top begins to slowly rot. That's why having a professional tree trimming at least twice a year is a good idea. If you don’t have experience with trimming your palm tree, you might accidentally cut the top off, leaving a dead and rotting tree in your wake.

In general, trees should be planted no closer than 15 to 20 feet from your foundation. For larger trees with far-reaching roots like maples, oaks, or poplars, a good guide is to plant as many feet from your home as the tree’s height is expected to reach at maturity. Some trees, like elms and willows, should only be planted far from where their roots may encounter sewer or water lines.

Full decorating services often provide rental trees for their Christmas packages, so you shouldn’t have any trouble finding one. However, individual interior decorators and others may not offer rented trees, so always check the specifics of their services before booking. Keep in mind that you’ll need to prepare the Christmas tree for pick-up shortly after the holidays.

The Creighton, NE homeowners’ guide to arboricultural services

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