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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.

Unfortunately, most of the time you’re out of luck if a neighbor’s tree blocks your view. You don’t have a right to a view, so if you have a tree that’s near the property line but on your neighbor’s property, you can’t cut it to be able to take in a majestic mountain or a beautiful sunrise. In some communities, however, there are ordinances protecting scenic views. Checking into your local laws can help you determine your rights in this situation.

You’ll want to have your palm trees trimmed during the spring, ideally in May, before hurricane season sets in, which generally takes place during the late summer. Palm trees grow fastest over the summer months. You’ll also want to trim your palm trees when you notice:

• Brown fronds 

• Dry leaves

• Flower pods

• Fruit

• Fronds overgrown in power lines

• Frond encroaching upon your neighbor’s home or yard 

• Visible damage from a storm

Many gardeners charge an hourly rate for their services, and your total cost will depend on the amount of services and the experience of the gardener. Gardeners with basic experience charge between $20 and $30 per hour, while a more experienced gardener can charge as much as $60 to $88 per hour.

The cost of lawn mowing is about $125, which you might need on a weekly or biweekly basis. However, the cost of soil testing averages about $1,450, which should only be done every three to five years.