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Tree Service questions, answered by experts

Coverage varies quite a bit by policy, but most homeowners' insurance policies will cover $500 to $1,000 of the cost of removing a tree. Additionally, if your tree causes damage to your property, like your house, many policies will cover some or all of the costs to repair the damage, depending on why the tree fell.

Whether tree roots will continue to grow after a tree has been cut down depends on the species. Some tree roots will eventually die because they can no longer get nutrients through photosynthesis. However, other species that reproduce through root sprouts can continue to grow and produce new sprouts for seven years or more. For example, the roots of elms, ficus, and willows tend to regrow aggressively, while the roots of pines, oaks, and maples will typically die. To determine if a root system is still active, look for new sprouts on the old trunk, stump, or any exposed roots.

You will know that an oak tree needs to be removed when you see vertical cracks or dead branch stubs, which indicate internal decay. Other signs include trunk rot near the base of the tree and sprouts or small branches coming from the trunk.

You need to remove all branches affected by Dutch elm disease. If your tree has several affected branches, you will probably need to remove the entire tree. First, consult a pro to be sure that you’ve correctly identified it as an elm tree. Make sure the tree is properly disposed of with a plastic covering or through debarking, chipping, or burning.

For safety reasons, leaning trees are best removed by a professional, as they may often tear away from the hinge, causing you to lose control over where the tree falls. If you choose to cut down a tree leaning slightly, avoid cutting off root protrusions before you start. Make your hinge a little longer than usual by cutting it deeper (up to 30% of the diameter) and applying a wedge into the felling cut on the side the tree is leaning. Stand away from the direction the tree leans while making your felling cut.

The Homer, NE homeowners’ guide to tree services

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