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Tree Service 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.

The amount of time it takes for a tree trunk to rot depends on several factors, including the tree’s size, species, and environmental conditions. It can take anywhere from a few years to several decades for a tree’s trunk to rot. A tree stump, on the other hand, can take up to 10 years to disappear after it’s decayed naturally.

You may wonder whether tree removal is tax deductible: Tree removal is not tax-deductible for homeowners unless it's related to a federally declared disaster. In that case, the cost may qualify as a casualty loss. However, if you own a commercial property, like a rental home, tree removal could be deductible if it's necessary for safety, maintenance, or part of a larger capital improvement project, and you must hire a professional tree removal service and keep documentation. Always consult a tax professional beforehand to see if you qualify.

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.

The best tools for tree removal include a chainsaw for large trees, an ax for notching and cutting down small trees, and a wedge to help control the direction a tree falls in. A hatchet can be useful for very small trees, but won’t be effective for medium to large trees. 

The Lyons, NE homeowners’ guide to tree services

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