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Arborists 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.

If you’re planning on keeping the tree, unless the roots are invasive, there’s no need to remove them, as doing so can cause damage to the tree. If the tree has been cut down and the stump and roots are left, grinding and removing the stump can cause root decay for some species. For other species, the stump and roots will need to be removed to prevent pests, disease, and possible tree regrowth.

You can use the formula mentioned earlier to calculate the depth of tree roots. Each inch of width of a tree trunk translates to six inches of depth within the root system. Large trees extend anywhere from 2 to 6 feet into the ground, with some magnificent specimens going even deeper.

Poison oak is similar to poison ivy in that it's in the same family of plants. Poison oak is identifiable by its rounded-off leaves and hairy leaf texture. Tree-climbing varieties live primarily in western states while low-growing poison oak bushes occupy the eastern states. Treat poison oak like poison ivy to get rid of it permanently.

Depending on the severity of the damage, a tree might continue healing for years after a split or a break. Saplings can usually bounce back in the spring in one or two seasons, but larger trees might take a few years to regain their former strength. If your tree is showing strong growth and is not dropping limbs, you can consider it healed after the first two seasons.

The Decatur, NE homeowners’ guide to arboricultural services

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