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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.

Unless it’s dead or dangerous, think twice about cutting down a tree in your yard. They’re good for health, well-being, wildlife, and the environment. Plus, local authorities often have regulations prohibiting the removal of trees, especially protected species or individual trees with historical value.

If you’re looking to rot a tree stump fast, potassium nitrate will work far quicker than copper nails. First, drill several holes into the stump using a power drill, then pour potassium nitrate pellets into the holes. Next, add water to help the chemical absorb into the wood, thoroughly soaking the stump to ensure the pellets dissolve and spread evenly. Afterward, cover the stump with a tarp to retain moisture and block sunlight, then place mulch on top to secure it in place.

Some trees will bounce back just fine, and others will struggle and possibly die. Evergreens, for instance, have a very difficult time recovering after droughts and usually die after periods of extreme dryness. Usually, you’ll have to just wait and see—if the drought occurs in wintertime, it’s possible that your tree will recover during the gentler springtime.

Light-bark trees are most notorious for producing lots of sap when wounded. These varieties include maples, birches, poplars, dogwoods, magnolias, and elms, and they will bleed more when the trees are dormant. That’s why it’s a good idea to prune them in the summer months rather than waiting until winter.

The Neligh, NE homeowners’ guide to tree services

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