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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.

Yes, it is essential to confirm that any tree service company you hire is properly insured before they begin work. Tree removal, trimming, and pruning are dangerous jobs, and proper insurance protects you, your home, and the company from liability in case of accidents or damage. Look for a company that carries both general liability and workers’ compensation insurance, and do not hire one that cannot provide proof of coverage. When browsing for professionals, you can look for indicators like an “Angi Approved” badge, which signifies that the business meets standards like holding applicable licenses and passing a background check. Keep in mind that a license is a legal requirement to operate, while certifications are typically voluntary.

Palm trees will not regrow from a stump once the tree has been cut down. This type of tree is unique because the root and stump system will slowly decay after the tree is gone, unlike other species that can regrow. That’s why it’s preferable to remove dead or decaying palm tree stumps quickly as they can become an eyesore and don’t offer future growing potential.

If you’re wondering why tree trunks are painted white in your area, it’s usually to prevent sunscald, a condition where extreme shifts in temperature can cause tree bark to split. Fruit trees are especially vulnerable to sunscald, so this treatment is worth considering if it’s something that affects your trees.