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Arborists 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.

In most cases, your neighbor is responsible for roots from their tree that cause damage to your property. If your pavement, the foundation of your home, or a fence is damaged by roots from a neighbor’s tree, you likely will have legal recourse for financial relief. While it’s better to notify your neighbor of any problems you notice as soon as they arise to avoid costly damage, there are some instances where filing a civil suit is your only recourse. Your homeowner’s insurance company might wish to do so on your behalf if you file a claim.

The best time to trim trees is in late fall through winter when the tree has slowed its growing for the year. Cold weather stops insects and fungal growth from attacking a new tree wound. Summer and fall are considered the worst times to trim trees, but it’s permissible in certain scenarios, such as tree disease, damaged branches, or small, aesthetic cuts.

Hiring an arborist or tree surgeon is usually more expensive than a standard tree company, but it is often worth the investment. Arborists have education and certifications that standard companies typically lack, leading to a more professional, expert-level service. Their expertise is particularly valuable for diseased or infested trees, as they can ensure safer removal and help prevent the issue from spreading. Additionally, arborists may be necessary for work near power lines, as uncertified companies are often not permitted to service these trees. If your goal is to preserve the health of your trees, an arborist is the best choice. Their services, such as stump grinding, are also performed with greater expertise to ensure a safe depth that won't cause your lawn to collapse over time.

The average tree pruning should take one hour with the right equipment. Light pruning of a small tree may only take around 15 to 20 minutes. Pruning multiple large trees in your yard will probably take several hours, including cleanup. However, tree pruning pros can do this job much faster, so you can rely on pros if you’re short on time.

The Saint Edward, NE homeowners’ guide to arboricultural services

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