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There are several signs that may indicate a tree needs to be cut down. These include visible damage to the trunk or branches, a hollow trunk, extensive storm damage, or a significant lean to one side. Other warning signs are pest infestations or the tree growing too close to a house, power lines, or other structures. It is best to hire a professional arborist to inspect the tree, as they can determine if it can be saved or if removal is necessary.

There are a few general rules to follow that will help you prune your trees correctly. One of the most important rules is to prune during the correct season for the type of tree you have. Typically, pruning should be during late winter. For younger trees, you should not remove more than a ⅓ of the tree's crown when pruning. Also, remember to remove dead and diseased branches first, then proceed with pruning the rest of the tree.

Deciduous shade trees (the type of trees whose leaves fall off in autumn) need to be pruned in late winter—between February and March. That’s because it’s easier to find and remove sick or dead branches when no leaves are present. And wounds close and heal faster in colder temperatures so pruning them at this time also makes them less prone to infection.

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.