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A tree growing close to a house can pose several risks, but removal isn't always the only or best solution. Potential problems include roots growing into the foundation and causing structural cracks, branches damaging the roof or promoting moss growth, and debris clogging gutters, which can lead to water damage. Trees can also provide access for pests and encourage mold. However, a small, healthy tree may not be a problem, and for larger, established trees, strategic trimming can be a cheaper and more beneficial alternative to removal. It is generally recommended to take action for trees within 10 to 20 feet of your home, especially if they are unhealthy or encroaching. Your best bet is to consult a professional arborist who can assess the specific situation and provide expert advice.

You should avoid cutting off the top of mature cherry trees. This process is called tree topping, and it’s not recommended for cherry trees—or any trees, for that matter. Tree topping removes between one-third to half of the length of the tree trunk, resulting in structurally unsound, fruitless suckers. The only exception is for saplings. Young pie, sour, and tart cherry trees that are over 30 inches tall in the fall or winter before the tree blooms can benefit from heading cuts.

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.

Trees don’t usually grow back after being cut down. Some particularly robust tree species may start sending up new stems from a stump to recover, but those stems won’t become a “tree” like before. Generally, trees don’t recover from being entirely cut down, which is why it’s important to be careful when making a decision. When you cut down a tree, it’s a good idea to make plans to remove the stump, even if it’s unlikely to grow back.