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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.

Any cutting of tree roots can hurt or kill a tree, which is why it's recommended you don’t do it unless the roots are damaging or invasive on a nearby structure like your home. You should never cut more than 15 percent of above-ground tree roots at one time. If you have any questions about cutting tree roots, contact your local arborist.

Unfortunately, if you cut the top off a palm tree, it will die. Instead of budding or branching out, the top begins to slowly rot. That's why having a professional tree trimming at least twice a year is a good idea. If you don’t have experience with trimming your palm tree, you might accidentally cut the top off, leaving a dead and rotting tree in your wake.

Many consider the Fraser fir to be the most popular type of Christmas tree, but which type of tree sells out near you can depend on region and decorating trends that year. For example, the Leyland cypress is especially popular in the Southeast, according to the National Christmas Tree Association.

Dead tree branches should be removed, because they can cause the tree to lose nutrients. They can also make the tree more susceptible to disease and pests. Removing dead and diseased branches can help the tree recover and increase the odds of saving a dying tree. Make sure to prune the tree correctly to avoid damaging it further.

The Orchard, NE homeowners’ guide to arboricultural services

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