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Tree Service questions, answered by experts

No, homeowners insurance typically does not cover the cost of removing a dead, sick, or rotting tree that is still standing. Insurance is designed to protect against sudden and unexpected accidents, whereas a tree dying or rotting over time is considered a maintenance issue. Coverage usually only applies after a tree has fallen and caused damage to your property.

Sudden oak death and oak wilt are different diseases. Oak wilt first shows up in tree leaves while sudden oak death affects the branches and trunk. However, as symptoms in both can overlap, it’s best to consult a professional arborist tree expert for a proper diagnosis and development of a treatment plan.

A dead tree should always be cut down, because it could fall and cause injuries or damage, and it can also attract insects like carpenter ants. A tree that’s diseased beyond repair should also be cut down, but it’s not always easy for a homeowner to tell. Signs of disease include dying branches, a hollow trunk, leaning, and discolored or missing leaves, but your best bet is to hire a local arborist who can evaluate the tree and tell you if it can be saved or should be cut down.

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.

If you don’t cut down a dead, dying, or diseased tree, it can become a nesting place for pests like mosquitos, bees, beetles, wasps, fly larvae, and more. Some pests will live in the tree, while others will feed off the decaying wood. Unhealthy trees are also more likely to fall over, potentially injuring people and causing damage to your property.

The Creighton, NE homeowners’ guide to tree services

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